New Jersey Health Insurance: Our Top Picks 2021

Last modified: December 11, 2020

Are you looking for the right health insurance in New Jersey? You can purchase New Jersey health insurance plans from a variety of carriers including from the official NJ state health insurance marketplace. Read this post to learn about the best health insurance in New Jersey.

New Jersey’s legislature has two programs to guarantee people’s access to health coverage. The IHC (Individual Health Coverage Program) for individuals, and another for small employers. These programs are accessible regardless of claims history, age, health status, or other risk factors. 

To help you make the best choice, we decided to cover the following in this review:

  • List of providers and comparison of plans
  • New Jersey health insurance guide

Let’s get started.

List of Providers and Comparison of Plans

Selecting a health care plan can be a complicated task. You have unique needs that are different from others. That’s precisely why we have curated a list of New Jersey health insurance companies offering different kinds of plans. Evaluate these plans to see which one suits you best.  

Horizon Blue Cross Blue Shield NJ

Horizon NJ health insurance is the leading Medicaid in the state. It is the only plan that is backed by Horizon BCBS NJ.  They offer four types of plans, such as: 

Medicaid Managed Care

This is best for those who have disabilities or severe health issues. Under this plan, you can get the best care and cope with your ongoing medical challenges smoothly.

NJ FamilyCare

NJ FamilyCare is an affordable health insurance plan in NJ covering a wide range of health care benefits for the entire family. It includes:

  • Doctor visits
  • Regular checkups
  • Immunizations
  • Dental care for children
  • Vision care
  • Prescriptions
  • Hospitalization
  • Lab tests
Horizon NJ TotalCare (HMO D-SNP)

If you qualify for Medicaid and Medicare, this plan is the best choice. It covers all the benefits of both plans. Additional features and services are also included at zero cost. Under this plan, you will get an experienced team of specialists, doctors, and care managers that work together to provide for your health needs.

MLTSS (Managed Long Term Services & Supports)

This program is designed exclusively to give additional support by offering services to fill the gaps that are left in other insurance plans.

AmeriHealth New Jersey

If you are searching for a family or individual health insurance plan before age 65, UHC is the right choice. They offer many plans and additional insurance products too. These include but are not limited to:

TriTerm medical

It lasts for three years and covers preventative care, pharmacy, doctor visits, and more.

Short term insurance

It is a standard short-term plan that fills a gap in coverage from one month to under a year.

Dental

It covers oral health screenings, orthodontic care, and preventive care.

Vision

This coverage includes routine eye examinations, prescription glasses, contact lenses, and vision screenings.

Critical illness insurance

This plan covers expenses for major qualifying illnesses.

Cheapest Health Insurance Plan by County in New Jersey

The insurers and health plans available vary depending on your location. Below is a list of counties where you can find cheap health insurance in New Jersey:

County Age 40   Couple age 40   Couple age 40 and a child 
Atlantic $379 $757 $984
Burlington   $379 $757 $984
Cape May $379 $757 $984
Essex $379 $757 $984
Hudson $379 $757 $984

 

Counties like Morris, Passaic, and Bergen are slightly expensive, where health insurance in Hunterdon is the most expensive.  

County Age 40   Couple age 40   Couple age 40 and a child  
Hunterdon   $398 $795 $1033

 

Average Health Insurance Cost by Family Size in NJ

The cost of health insurance in NJ by family size is:

Family size Average monthly cost of health plan

  • Individual + child $797
  • Couple age 40 $998
  • Family of three (Adult couple and a child) $1,296
  • Family of four (Adult couple and two children) $1,595
  • Family of five (Adult couple and three children) $1,893

New Jersey Health Insurance Coverage Guide

The New Jersey Legislature has created two health insurance programs. These are:

  • The Individual Health Coverage Program (IHC) 
  • The Small Employer Health Benefits Program (SEH) 

These programs are individual standard NJ state health benefits available as coverage for a Single Person, Two Adults, a Family, or an Adult and Children. You can buy them from a variety of New Jersey care health insurance companies, as mentioned above.   

You can also opt for government-assisted plans such as Medicare and Medicaid.

New Jersey Medicare 

Who Qualifies?

You can qualify: 

  • If you are a U.S. citizen aged 65 or older
  • If you are a permanent legal resident of at least five years and aged 65 and older

Medicare Coverage

It can be divided into Medicare Part A and B. Part A offers inpatient hospital coverage, including skilled nursing facilities, home health care, and hospice care if needed.

On the other hand, Medicare Part B includes outpatient physicians, X-rays, lab tests, physician services, and vaccines. 

How many are enrolled under Medicare in New Jersey?

The latest health insurance statistics show that over 1.6 million people are enrolled in the NJ Medicare program. 

New Jersey Medicaid

Medicaid is another government-assisted program that provides health insurance coverage to parents, pregnant women, dependent children, and disabled, blind, or aged people. They include NJ healthcare, hospital services, prescriptions, and nursing home care. 

To qualify for this coverage, you must:

  • Be a New Jersey resident
  • U.S. citizen
  • Meet specific financial income standards

Tips to Save on Health Insurance in New Jersey

Factors that often add to the premium cost are:

  • Tobacco use
  • Age
  • Location
  • Pre-existing conditions
  • Medical history

So, the best way to lower premium costs and save on New Jersey state health insurance is to maintain a healthy lifestyle. Try to exercise, stay active, develop healthy eating habits, and avoid using tobacco. These changes will keep you healthy and ensure overall well-being.

Conclusion

In conclusion, we can say that if you’re living in New Jersey, make sure that you comply with the law and buy state of New Jersey health insurance. For best coverage and rates, evaluate and study your options to make an informed decision. 

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

When is New Jersey's open enrollment for 2021 health insurance coverage?

The 2021 Open Enrollment Period is from November 1, 2020, until December 15, 2020. Unless you are eligible for the Special Enrollment Period, you shall get no coverage for 2021 if you fail to apply before December 15, 2020. 

Did New Jersey expand Medicaid?

Yes, the state of New Jersey health insurance legislature expanded it per the Affordable Care Act (ACA).

Is health insurance mandatory in New Jersey?

Yes. The NJ law requires families and individuals to have minimum essential health coverage.

What is the income limit for Medicaid in New Jersey?

The income limit is up to 138% FPL (Federal Poverty Level) for adults without dependent children. It is $1,468 per month for a single person and $1,983 per month for a couple. However, for pregnant women, it is 205% FPL.

What are the short term health insurance conditions in New Jersey?

Conditions that are not pre-existing and fall under an emergency visit may require specific prescription medication or doctor’s appointments.