New Jersey runs its own health insurance marketplace called NJ Get Covered (GetCoveredNJ.gov). Unlike states that use Healthcare.gov, New Jersey operates independently — giving Garden State residents real advantages for 2027 open enrollment.
Key 2027 Open Enrollment Dates for New Jersey
- November 1, 2026: Open enrollment begins on NJ Get Covered
- December 15, 2026: Deadline for January 1, 2027 coverage
- January 15, 2027: Final deadline — coverage begins February 1, 2027
New Jersey also has a state individual mandate. Adults without qualifying coverage pay a penalty on their NJ state taxes.
What Makes NJ Get Covered Different From Healthcare.gov
- State subsidies stacked on top of federal APTC for households earning 200–400% FPL
- More carrier participation — NJ requires more insurers to compete, creating more plan options
- NJ reinsurance program keeps benchmark premiums lower than comparable states
2027 Plan Tiers on NJ Get Covered
- Bronze: Lowest premium, highest deductible. Best for healthy, low-use individuals.
- Silver: Mid-range. The only tier eligible for Cost Sharing Reductions.
- Gold: Higher premium, lower out-of-pocket. Best for regular healthcare users.
- Platinum: Highest premium, lowest cost-sharing. Best for high healthcare needs.
What NJ Get Covered Doesn’t Show You
The marketplace only lists ACA on-exchange plans. New Jersey residents also have access to off-market plans — ACA-compliant coverage sold directly by carriers that doesn’t appear on GetCoveredNJ.gov. These can offer lower premiums for households without meaningful subsidies. An independent broker shows you both.
Do You Qualify for Subsidies in 2027?
Enhanced subsidies remain in effect for 2027 with no income ceiling. Even households earning above $100,000 may qualify if the benchmark Silver plan exceeds 8.5% of income. New Jersey’s state subsidy stacks on top for residents earning 200–400% FPL.
Related: Individual & Family Health Plans | Schedule a Free Consultation
Frequently Asked Questions
When does 2027 open enrollment start in New Jersey?
Open enrollment on NJ Get Covered begins November 1, 2026. The final deadline is January 15, 2027. Enroll by December 15 for January 1 coverage.
Is NJ Get Covered the same as Healthcare.gov?
No. New Jersey operates its own state marketplace at GetCoveredNJ.gov. Residents do not use Healthcare.gov.
Does New Jersey have its own health insurance subsidy?
Yes. NJ offers state-funded premium subsidies for residents earning 200–400% FPL, stacked on top of the federal APTC.
What happens if I skip health insurance in New Jersey?
New Jersey has a state individual mandate. Adults without qualifying coverage pay a penalty on NJ state taxes.
Talk to an Independent Broker — Free
Garden State Benefits is an independent insurance broker licensed in New Jersey and 25 other states. We compare marketplace plans, off-market plans, and subsidy eligibility in a single conversation — at no cost to you.
Open enrollment runs November 1 through January 15. Book a free consultation here or call 856-880-6340.