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Individual Health Coverage Program (IHC)

The Individual Health Coverage (IHC) Program was created to ensure that people without access to employer or government sponsored health care programs could purchase health coverage for themselves and their families from a variety of private carriers.

Individuals, regardless of their age or health status, are guaranteed renewable health coverage under standard individual health benefits plans designed by the Individual Health Coverage Program Board.

For more information, such as How to Get Coverage, Eligibility and Frequently Asked Questions, see the IHC Buyer's Guide

Individual standard health benefits plans are available as coverage for a Single Person, Two Adults, a Family, or an Adult and Child(ren).

Individual standard health benefits plans may be purchased from a variety of carriers. Currently, all of the plans are offered as managed care plans, which are network-based plans offered by a Health Maintenance Organization (HMO) or by another carrier using a Preferred Provider Organization (PPO) or an Exclusive Provider Organization (EPO). 

Latest News
  • Order A18-102: In the Matter of a Study of the Impact of the Implementation of the Affordable Care Act on the Individual Health Coverage Program and Potential Actions to Stabilize the Individual Health Coverage Market in 2019 and Later Years
  Department Places Health Republic Insurance of New Jersey in Liquidation
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