New Customers

Welcome to Get Covered New Jersey, the state’s official online health insurance Marketplace, where you can:

  • Shop online and compare plans that cover essential health benefits as required by the Affordable Care Act.
  • Apply for financial help to lower your health insurance costs.
  • Work with certified experts who can answer questions and guide you through enrollment at no cost to you.

Due to new federal and state changes, more New Jerseyans now qualify for financial help. If you did not qualify for financial help before because your income was too high, you may qualify under the state and federal changes. If you previously qualified for financial help, you are likely eligible for additional premium reductions. These new changes make coverage more affordable at most income levels.

These increased financial benefits are only available if you enroll in coverage through GetCoveredNJ. Apply as soon as possible to maximize savings and to begin coverage.

The new financial help is currently in effect and will be available for coverage in 2021 and 2022. View plans now to see if can enroll with lower premiums. 

Follow this step-by-step guide to enroll.

Received unemployment income in 2021? Follow this step-by-step guide for special savings.

Get started by comparing health plans and prices

You can compare health plans to learn how much financial help you may qualify for before you apply. Our shop and compare tool lets you compare health plans based on your:

  • eligibility for financial help
  • monthly premiums
  • access to doctors
  • estimated total healthcare costs for the year.

Financial help is available

Get Covered New Jersey offers financial help to many New Jerseyans to lower health insurance costs. Now due to federal and state changes, increased savings are available to more New Jerseyans. When you apply for health coverage in the Marketplace, you might qualify for three types of financial help: premium tax credits, cost-sharing reductions and new financial help offered by the state of New Jersey. Premium tax credits help lower your monthly health insurance premium payments. Cost-sharing reductions help lower your out-of-pocket costs like deductibles and copays. New state savings – called New Jersey Health Plan Savings – will provide additional help to most people purchasing coverage on the Marketplace.

Nine out of 10 residents enrolling at Get Covered New Jersey qualify for financial help.

Based on your income, you may also qualify for free or low-cost coverage with NJ FamilyCare, the state's publicly funded health insurance program. You only need to fill out one application on GetCoveredNJ to learn what financial help you can get.

If you are eligible for unemployment compensation for at least one week in 2021 you may be eligible to enroll in nearly free health insurance through GetCoveredNJ for 2021. Create an account and submit an applicaton today to see if you qualify. Note that the primary tax filer or spouse must attest to receiving unemployment income.

If you need help, talk with a certified expert

GetCoveredNJ has a network of trained professionals who can answer your questions and guide you through choosing a health plan and applying for coverage. The help is free. You can call our Customer Call Center. Or you can get free help from health insurance agents (brokers) or certified assisters in your area. They are trained to guide you through the application and help you find the plan that works best for you and your family.

To learn more about the Marketplace and how health coverage works, go to What To Expect.

Need insurance? New Jerseyans can still enroll.

The Enrollment window is extended for New Jerseyans in need of coverage who can enroll through the COVID-19 Special Enrollment Period.

You may also enroll or change your existing plan if you’ve had certain life events, such as pregnancy, having a baby, or loss of income.

Get Started

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