Health insurance in New Jersey, 2027
New Jersey runs its own marketplace, adds its own savings on top of the federal tax credit, and still requires coverage. Here is what that means for you.
Last checked October 16, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
New Jersey runs its own marketplace
New Jersey residents buy Marketplace plans through Get Covered New Jersey, the state’s own marketplace, not HealthCare.gov. The plans follow the same federal rules, and the account, the website and the dates are New Jersey’s.
For 2026 coverage, 493,816 New Jerseyans picked a plan during open enrollment.12
- Marketplace
- Get Covered New Jersey
- 2026 plan selections
- 493,816
- State savings
- Up to 600% of the poverty level
- Coverage required
- Yes, by state law
The dates for 2027
New Jersey has announced open enrollment for 2027 from November 1, 2026 through January 31, 2027, longer than the federal window. Coverage start dates depend on when you enroll; for 2026 coverage, the deadline for a January 1 start was December 31.
These are New Jersey’s announced dates; a federal rule change could still move the end date, and we recheck it on December 1.
Losing other coverage, moving or a change in your household can open a special enrollment window outside those dates.23
- November 1, 2026Open enrollment for 2027 starts (key step)
- Before January 1Get Covered NJ confirms the deadline for a January 1 start
- January 31, 2027Open enrollment ends, as announced (key step)
What to do: Plan to choose in December. If you want coverage from January 1, don’t wait for the end of January.
Two layers of help paying
The federal tax credit works the same way as in other states: up to 4 times the poverty level, $109,280 a year for a family of three.
On top of it, New Jersey Health Plan Savings is state help for eligible households with income up to 600% of the poverty level, which is $163,920 for a family of three. That reaches some families the federal credit doesn’t.
Adults under 138% of the poverty level can qualify for NJ FamilyCare, New Jersey’s Medicaid, and children qualify at much higher incomes.245
New in 2027: NJ FamilyCare work rules
Who it affects: NJ FamilyCare adults aged 19 to 64 on the expansion plan.
From January 1, 2027, many adults aged 19 to 64 on NJ FamilyCare’s expansion plan need to work, volunteer or go to school to keep their coverage, unless their health, family or life circumstances exempt them. Most of them will also renew every six months instead of every year.6
What to do: Watch for NJ FamilyCare notices, and call us if your coverage is at risk.
New Jersey still requires coverage
Who it affects: New Jersey residents who file a state tax return.
The federal penalty is $0, but New Jersey has its own requirement. If you and your tax household go without qualifying coverage and don’t have an exemption, you owe a Shared Responsibility Payment on your NJ-1040. For tax year 2025 it started at $695 for one person.7
Which insurers sell plans
New Jersey’s 2027 plans and prices are set by the state before open enrollment opens on November 1, and the choices depend on your county.2
What to do: Send us your ZIP code, your doctors and your prescriptions. We check which plans in your county include them.
Help from a licensed agency
Our agency is licensed in New Jersey, and we work with New Jerseyans by phone and video, from our Chicago office. We apply the federal credit and the state savings together, so you see what you would really pay, at no cost to you.8
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Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.