Finding Health Coverage In New Jersey
If you ask anyone what it takes to be healthy, most people will say exercising and eating right. While they are right, they are missing an important factor, having health insurance. Having health insurance will increase your chances of staying healthy long-term.
Health insurance is more than a policy that protects you in case of an emergency, it is an investment in the quality of your life. If you are covered you can receive access to a primary care physician who can help you create a preventative plan based on your medical history and your families, to ensure your health in the long haul. If you are looking to get health insurance in New Jersey, here is how to do so.
New Jersey Open Enrollment Dates
Individuals living in The Garden State are able to apply for health coverage through the federally run marketplace and exchange. While only a few states decided to make their own marketplaces, Jersey did not. So, if you are looking to get covered through the marketplace, New Jerseys Open Enrollment Period runs through the following dates:
- November 1 - January 31
If you are looking for affordable coverage, New Jerseys marketplace is a great place to start. The main reason is that providers offering their plans on the exchange are required to keep prices the same for everyone, as well as not denying coverage. If you are among the people who have a pre-existing or chronic health condition, you should look into the marketplace to find the best coverage for you.
On top of finding you places at the same price, the marketplace lets you apply and qualify for government subsidies. Based on your income and household size, you can qualify for subsidized medical coverage or premium tax credits. If you’re eligible for Medicaid you can also apply here.
New Jersey Health Insurance Quotes
When Obamacare came out it made health insurance accessible to all Americans. Unfortunately, for the middle class, this bill made it less likely they would qualify for subsidies. By not being able to qualify, the plans were out of millions of Americans budgets. On account, you see a trend of people turning to the private sector to find health insurance they can afford.
If you need help with the private sector, FirstQuote Health is a great resource. FirstQuote Health specializes in finding you the most affordable insurance for your specific needs. All you need to do is enter in your zip code and you will be able to compare quotes in your city in New Jersey in minutes. If you do not feel like going through the computer you can also speak directly to an agent who will help you find your perfect fit. Get started, and get covered today.
Coverage From New Jersey’s Best Health Insurance Companies
If you have a plan in mind or are happy with your current provider, there is no need to spend time shopping around. An easy way to enroll in a quality health insurance provider is going with one of the main companies in New Jersey. Some of the most popular options include:
- Blue Cross Blue Shield of New Jersey
- Independence Blue Cross
- Freelancers Consumer
If you choose the option to enroll directly, make sure to do your research about the company. This can be as easy as doing a quick internet search to see reviews from previous and current members of the provider. Sometimes companies that work for some people may not be the best option for your specific needs. You can also read up on your different options with trusted review sites like FirstQuote Health.
Is Health Insurance Mandatory In New Jersey?
Yes, health insurance is still mandatory in New Jersey even though the individual mandate will disappear in 2019. Health insurance became mandatory in the US when the Affordable Care Act was implemented, but it was hit with backlash by individuals who were opposed to Obamacare.
Once President Trump took office, he wanted to abolish the Affordable Care Act and the legislation that went along with it. However, after unsuccessful attempts, he decided to sign an executive order eliminating the individual mandate. Some states, including New Jersey fought back, creating their own versions of the mandate.