New Jersey’s state health insurance marketplace, Get Covered NJ, is where Garden State residents enroll in ACA-compliant individual and family health coverage. The 2027 Open Enrollment window runs November 1, 2026 – January 31, 2027 for NJ residents — two weeks longer than most other states. Here’s everything you need to navigate it.
Why NJ Has Its Own Marketplace
New Jersey chose to operate its own ACA marketplace rather than use the federal HealthCare.gov. This gives the state more control over plan offerings, consumer protections, and subsidy programs. NJ residents must use getcovered.nj.gov — you cannot enroll in NJ plans through HealthCare.gov.
NJ’s Extra Subsidies: The NJ Health Plan Savings Program
One of the most valuable features of Get Covered NJ is the NJ Health Plan Savings program — state-funded premium assistance that stacks on top of federal premium tax credits. This program is available to:
- Individuals earning between 200%–600% of the Federal Poverty Level
- Families meeting the same proportional thresholds
For a family of four earning $80,000–$100,000 — who might get little federal subsidy alone — NJ’s state subsidies can make the difference between unaffordable and manageable monthly premiums.
Which Insurers Participate in Get Covered NJ?
Plan availability varies by county. Carriers offering NJ marketplace plans have included major regional and national insurers. The exact plan offerings and networks change year to year. Confirming which carriers operate in your specific county is the first step to narrowing your plan search.
NJ Open Enrollment 2027 Key Dates
- November 1, 2026 – Open Enrollment opens; 2027 plans go on sale
- December 15, 2026 – Last day for January 1, 2027 coverage
- January 31, 2027 – NJ Open Enrollment closes (federal deadline was January 15)
Medicaid and NJ FamilyCare
New Jersey has expanded Medicaid under the ACA. If your household income is at or below approximately 138% of the FPL, you may qualify for NJ FamilyCare (Medicaid) — which offers comprehensive coverage at little to no cost. Medicaid eligibility is year-round, not just during Open Enrollment.
Working With a Licensed NJ Broker
Paul Z Olah (NPN: 20795999) is licensed in New Jersey and specializes in helping NJ individuals and families navigate Get Covered NJ. As an independent broker, he searches every available plan in your county, calculates both your federal and state subsidy eligibility, and walks you through enrollment — at no cost to you.
Ready to review your 2027 options on Get Covered NJ? Contact Paul at Garden State Benefits for a no-cost, no-obligation review of your 2027 options — he’s a licensed independent broker serving individuals and families across 26 states.