New Jersey residents have an advantage most Americans don’t: a state-run health insurance marketplace called Get Covered NJ, plus state-level subsidies that stack on top of federal premium tax credits. If you’re in NJ and haven’t shopped your health insurance options for 2027, Open Enrollment is the time to act.
What Is Get Covered NJ?
Get Covered NJ (getcovered.nj.gov) is New Jersey’s official ACA health insurance marketplace. Instead of using the federal HealthCare.gov, New Jersey residents enroll here. The plans are ACA-compliant, cover the 10 essential health benefits, and cannot deny coverage or charge more for pre-existing conditions.
New Jersey residents cannot use HealthCare.gov to enroll in NJ marketplace plans — the state exchange is the required enrollment portal.
NJ Open Enrollment 2027 Dates
- November 1, 2026 – Open Enrollment begins
- December 15, 2026 – Last day for January 1, 2027 effective coverage
- January 31, 2027 – New Jersey’s state deadline (NJ extends enrollment by two weeks beyond the federal January 15 deadline)
New Jersey’s extended deadline — January 31 vs. the federal January 15 — gives NJ residents a two-week buffer that most other states don’t have. Still, enrolling earlier means coverage starts sooner and you have more time to resolve any issues.
NJ State Subsidies: Extra Help Beyond Federal Tax Credits
New Jersey offers its own state-funded subsidies through the NJ Health Plan Savings program, available to residents earning between 200% and 600% of the Federal Poverty Level (FPL). These state subsidies reduce premiums beyond what federal tax credits alone would cover.
What this means in practice: a family of four in NJ earning $80,000/year may qualify for both federal and state premium assistance, making quality Silver or Gold plans genuinely affordable.
Which Insurers Offer Plans on Get Covered NJ?
NJ marketplace plans are offered by several major carriers. Network availability and plan offerings vary by county. An independent broker can pull up every plan available at your specific address and compare them side by side — including the exact after-subsidy premium you’d pay.
What If You Miss NJ Open Enrollment?
If you miss the January 31, 2027 deadline without a qualifying life event, you’ll need to wait until November 2027 for your next opportunity — unless you experience a Special Enrollment Period trigger such as marriage, birth, loss of other coverage, or a move.
Working With a Licensed NJ Broker
Paul Z Olah is a licensed health insurance broker in New Jersey (NPN: 20795999) who can navigate Get Covered NJ on your behalf at no cost to you. As an independent broker, Paul is not tied to any single carrier — he shops every option to find what genuinely fits your situation.
Ready to review your NJ health insurance options for 2027? 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.