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Home > Insurance Division > Individual Health Coverage Program > Small Employer Health Insurance Program
2027 IHC/SEH Average Rate Changes

Rate filings are submitted to the department by carriers. By law, rate filings in the individual and small employer markets are informational and not subject to prior approval; however, the Department may disapprove any informational filing if the Department finds that the filing is incomplete and not in compliance with relevant laws or that the rates are inadequate or unfairly discriminatory.

Below is the average total rate action by carrier in the individual market, which includes both on marketplace and off marketplace offerings:

Individual Market 2027 Rate Change

Carrier Avg. Rate Change
AmeriHealth 17.0%
Horizon 15.3%
Oscar 29.3%
UnitedHealthcare 35.7%
Ambetter from WellCare of New Jersey 20.8%
Total IHC Market 19.8%

Only plans offered on Get Covered New Jersey, the State's Official Health Insurance Marketplace, will have access to state subsidies and federal tax credits for plan year 2027.

 
Below is the average total rate action by carrier in the small employer health market:

Small Employer Market 2027 Rate Change

Carrier Avg. Rate Change
AmeriHealth 17.6%
Horizon 19.5%
Oxford 17.6%
Total SEH Market 18.8%
 
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