Exchange
GetCovered.NJ.gov
State-based exchange
Medicaid Expansion
✅ Expanded
Adults up to 138% FPL eligible
Avg. Benchmark Premium
$540/mo
Age 40, Silver plan
New Jersey Overview
New Jersey runs its own exchange and has an individual mandate with a state tax penalty. The state provides additional state-funded subsidies.
How to Enroll in New Jersey
New Jersey operates its own health insurance exchange: GetCovered.NJ.gov.
Visit your state's exchange website to browse plans, compare premiums, and enroll during Open Enrollment or a Special Enrollment Period. You may also find state-specific subsidies or programs not available on HealthCare.gov.
Medicaid in New Jersey
New Jersey has expanded Medicaid under the ACA.
Adults with household income up to 138% of the Federal Poverty Level may qualify for Medicaid coverage with little or no premium cost. If your income drops due to the subsidy cliff, Medicaid may be an option.
Calculate Your New Jersey Premiums
See how the subsidy cliff affects your specific situation.
Open Calculator →See How the 2026 Subsidy Cliff Affects You
Enter your income and household size for a personalized premium comparison.
Calculate Your 2026 Premium Impact →Related Resources
⚠️ Disclaimer
This calculator provides estimates for educational purposes only. It is not a substitute for professional advice. Actual premiums, subsidies, and eligibility may vary based on your specific circumstances, location, and available plans. We are not licensed insurance agents or brokers. For official information, visit HealthCare.gov or contact a licensed insurance professional. This site is not affiliated with the U.S. government, CMS, or any insurance company.