New Jersey is doing things differently for 2027. While most states end Open Enrollment on January 15, Get Covered New Jersey runs from November 1, 2026 through January 31, 2027 (NJ Department of Banking and Insurance).
New Jersey’s extra savings
Federal premium help stops at 400% of the federal poverty level. New Jersey adds its own help, called New Jersey Health Plan Savings, for eligible enrollees with incomes up to 600% of the poverty level. For 2026, that meant up to $93,900 for one person or $192,900 for a family of four (Get Covered New Jersey).
If you earn too much for federal help, don’t assume you’re on your own in New Jersey.
Short on time? Book a free 30-minute plan check and we’ll do the comparing for you.
Prices and insurers
- Five insurers offer 2027 coverage: AmeriHealth, Horizon Blue Cross Blue Shield, Oscar, WellCare/Ambetter, and UnitedHealthcare (NJ Department of Banking and Insurance).
- The final weighted average increase is 19.8% before subsidies. By insurer: Horizon 15.3%, AmeriHealth 17.0%, WellCare/Ambetter 20.8%, Oscar 29.3%, and UnitedHealthcare 35.7% (NJ Department of Banking and Insurance).
Don’t forget the state mandate
New Jersey has its own individual mandate. Residents without health insurance can owe a Shared Responsibility Payment on their state tax return (NJ Division of Taxation).
Get Covered New Jersey 2027
- November 1, 2026: Open Enrollment begins
- January 31, 2027: Open Enrollment ends
- Pick earlier if you want coverage to start January 1. Check the exact cutoff when you enroll
Immigrant eligibility is changing
Starting in 2027, non-citizens qualify for subsidies only if they are green card holders, COFA migrants, or Cuban/Haitian entrants (HealthCare.gov). If your status has changed, call us before you enroll.
Quick answers
Can I wait until January?
You can enroll as late as January 31, 2027, but your coverage start date depends on when you enroll. Earlier is safer.
Does a broker cost extra in New Jersey?
No. Plan prices are the same with or without a licensed broker.
Want a second set of eyes on your 2027 plan?
Book a 30-minute plan check. We compare your options side by side, show the price after any savings, and check that your doctors are in network. Plan prices are the same with or without us.
Check My 2027 Options or call (786) 730-9658
Prefer to read first? Download the 2027 Marketplace Ready Checklist or la guía en español.
Related guides
- 2027 Open Enrollment: what you need to know
- 5 legal ways to lower your ACA premium
- ACA premiums in 2027 after the extra subsidies expired
- ACA subsidies 2027: the 400% income cliff
Sources
- NJ Department of Banking and Insurance: 2027 Open Enrollment
- Get Covered New Jersey: Financial help
- NJ DOBI: 2027 final rates
- NJ Division of Taxation: Shared Responsibility Payment
- HealthCare.gov: Immigration statuses that qualify
Simple Start Insurance is a licensed health insurance agency. We are not affiliated with HealthCare.gov, any state marketplace, or any government agency. Plan availability, prices, and dates vary by state and county. This article is general information, not tax or legal advice.
Want help comparing your options? See how we help with individual and family health insurance, or request a free 2027 plan check.
