Get Covered NJ State Marketplace – Affordable Care Act

Important dates and deadlines for New Jersey:

Important: New Jersey uses a State-Based Marketplace, Get Covered NJ State Marketplace.

• 2025 Open Enrollment began Friday, November 1, 2024.
• Open Enrollment ended onJanuary 31, 2025.
• If you enrolled by December 31, your coverage will start January 1. If you enrolled in January, your coverage will start February 1.

Enrollment for 2025 began November 1, 2024.

The passage of the Patient Protection and Affordable Care Act on March 23, 2010 was a major change for health insurance in the United States.

The Affordable Care Act (ACA) ensured that people enrolled in an ACA Marketplace plan cannot be denied health insurance coverage for pre-existing conditions, and children can remain on their parents’ health plan until age 26. In addition, many states expanded Medicaid in order to cover more people in certain income groups.

You can find detailed and up-to-date information about the Affordable Care Act and the Get Covered NJ State Marketplace on the NJ State Library Affordable Care Act Research Guide.

Enrolling and Re-Enrolling

• New Customers – Shop online and compare plans. Follow the step-by-step guide to help enroll.
• Existing NJ Marketplace Customers – Returning customers. Follow this step-by-step guide to update an application or shop for a new plan.
• Tips for Choosing a Plan – Things to consider when shopping for health insurance.
• GetCoveredNJ Shop and Compare Tool: Compare on the year health plans, costs, and estimate how much financial help you may qualify for.

To enroll you will need:

• Home and/or mailing addresses
• Birth dates
• Social Security numbers
• Immigration documentation, if applicable
• Employer and income information for every member of your household (for example, pay stubs or W-2 forms)
• Your best estimate of what your household income will be
• Policy numbers for any current health plans covering members of your household

Assistance:

• Find Local Assistance – Get help from certified experts. Search by zip code.
• Frequently Asked Questions
• Customer Service and Call Center: 1-833-677-1010 TTY 711
• Language Support: Get help in languages other than English.

New Jersey requires residents to maintain health insurance.

The New Jersey Health Insurance Market Preservation Act is a law that requires all NJ residents to have minimum essential health coverage, unless you qualify for an exemption.

Other New Jersey Health Insurance Resources

NJ FamilyCare is the federal and state funded health insurance program created to help qualified New Jersey residents of any age get access to affordable health insurance. It’s also known as Medicaid and the Children’s Health Insurance Program (CHIP).

Enrollment in NJ FamilyCare can take place any time.