New Jersey Health Insurance 2027: Free & Low-Cost Plans on Get Covered NJ
New Jersey health insurance for 2027 runs through Get Covered NJ, and open enrollment is November 1, 2026 – January 31, 2027. Federal tax credits plus New Jersey's own state subsidy still put $0 and low-cost plans within reach for many households — even with the enhanced federal credits gone. Here are the 2027 income limits, the NJ FamilyCare rules, and how to enroll free.
Get a Free 2027 Quote ↓Health Insurance NJ: How Free and Low-Cost Coverage Works in 2027
New Jersey health insurance for individuals and families is sold through the state's own marketplace, Get Covered New Jersey — the site most people search for as "Get Covered NJ." It is New Jersey's official health insurance marketplace, run by the Department of Banking and Insurance (DOBI). The free health insurance NJ residents hear about is real, but it isn't a giveaway: it's a federal premium tax credit, plus a state subsidy called NJ Health Plan Savings stacked on top. For the lowest incomes, NJ state health insurance means NJ FamilyCare, New Jersey's Medicaid program. From Newark and Jersey City to Trenton, Toms River, and Cherry Hill, the same rules apply statewide.
2027 is another tough year to shop. The enhanced federal tax credits that ran from 2021 through 2025 expired at the end of 2025, and under current law they are not back for 2027 — unless Congress acts. DOBI has also said New Jersey will see rate increases for 2027. Federal help that is smaller than it was in 2025, plus higher prices, means last year's plan deserves a fresh look before it renews — and it makes New Jersey's state subsidy worth more than ever.
FreedInsure LLC is an independent brokerage; its licensed agent, Constantino Lardi (NPN 20230457), is licensed in 42 states, New Jersey included. We project your income, calculate your federal credit and state savings, compare the plans offered in your county, and enroll you — 100% free to you. Call (844) 788-3733.
Quick answer: New Jersey health insurance for 2027 is bought through Get Covered NJ, with open enrollment from November 1, 2026 to January 31, 2027. Federal tax credits apply to single adults earning $15,960 to $63,840 (100%–400% of the poverty level), and New Jersey's own NJ Health Plan Savings reaches households up to 600% FPL. Below roughly $22,025 for a single adult, NJ FamilyCare (Medicaid) may cover you at little or no cost instead.
New Jersey Health Insurance Income Limits for 2027
Marketplace help for 2027 coverage is based on the 2026 federal poverty guidelines: $15,960 for one person and $33,000 for a family of four. Where your projected 2027 income lands on that scale decides whether you get NJ FamilyCare, a federal tax credit, New Jersey's state subsidy, or full-price coverage.
| 2027 Household Income | Household of 1 | Family of 4 (approx.) | What You Typically Get in NJ |
|---|---|---|---|
| Under ~138% FPL | Below ~$22,025 | Below ~$45,540 | Likely eligible for NJ FamilyCare (Medicaid) — a state program, see below |
| 100–150% FPL | $15,960–$23,940 | $33,000–$49,500 | If you're not eligible for NJ FamilyCare: the biggest credits (you pay 2.15%–4.30% of income toward Silver) plus 94% Cost-Sharing Reduction Silver plans |
| 150–250% FPL | $23,940–$39,900 | $49,500–$82,500 | Strong credits plus Cost-Sharing Reduction Silver plans that shrink deductibles |
| 250–400% FPL | $39,900–$63,840 | $82,500–$132,000 | Credits taper; you pay up to 10.22% of income for the benchmark Silver plan |
| 400–600% FPL | $63,840–about $95,760 | $132,000–about $198,000 | No federal credit under current law — New Jersey's NJ Health Plan Savings may still help |
| Over 600% FPL | Above about $95,760 | Above about $198,000 | No federal or state premium help — full-price plans, so choosing well matters most |
Income means your projected 2027 household income — W-2 wages, 1099 and gig income, self-employment, everything. Inside the 100%–400% range, you're expected to pay between 2.15% and 10.22% of income toward the benchmark Silver plan, and the federal credit covers the rest. The 400%–600% dollar figures above are our arithmetic on the same guidelines; New Jersey sets NJ Health Plan Savings amounts itself, so confirm your figure on Get Covered NJ. Want a number now? Try our 2027 ACA subsidy calculator, or see how ACA income limits work bracket by bracket.
The $1 problem: at 400% of the poverty level — $63,840 for a single person — the federal credit stops cold under current law. One extra dollar of projected income and the entire federal credit disappears. New Jersey residents have an extra cushion: NJ Health Plan Savings runs up to 600% FPL. If your income sits anywhere near the line, read how to avoid the 2027 subsidy cliff before you enroll — or call (844) 788-3733 and we'll run it free.
Get Covered NJ: New Jersey's State Health Insurance Marketplace
New Jersey doesn't use HealthCare.gov. It runs a state-based exchange, Get Covered New Jersey, at nj.gov/getcoverednj, overseen by DOBI. That matters for three reasons: New Jersey sets its own open enrollment dates, it layers a state subsidy on top of the federal credit, and it has its own individual mandate. To use the federal credit or NJ Health Plan Savings on an individual plan, you enroll through Get Covered NJ — on your own or with a licensed broker's help.
💰 NJ Health Plan Savings
A state subsidy that sits on top of federal tax credits. DOBI says it remains available to qualifying residents with household incomes up to 600% of the poverty level — well past the 400% federal cutoff.
📅 Longer Enrollment Window
Open enrollment runs November 1, 2026 – January 31, 2027 — about two weeks past the January 15 close in HealthCare.gov states.
⚖️ State Individual Mandate
New Jersey requires residents to have coverage or make a shared responsibility payment at tax time unless they qualify for an exemption. The payment is capped at the statewide average annual Bronze premium.
🛂 Immigration Status Rules
Per Get Covered NJ, beginning January 1, 2027 you must have a qualifying immigration status to receive financial help. If that affects anyone in your household, sort it out before you enroll.
Enrollment has been sliding: DOBI counted 434,700 enrollees on June 30, 2026, a net drop of 74,492 since open enrollment closed on January 31, 2026. If you dropped coverage this year, open enrollment is your clean way back in — and with the state mandate, going without can still cost you at tax time unless you qualify for an exemption.
Straight talk: FreedInsure is a private, independent broker — not affiliated with Get Covered NJ or the New Jersey state government. Enrolling with us costs nothing extra: you get the same plans at the same prices as going direct, plus an advisor who picks up the phone all year.
NJ FamilyCare: Free NJ State Health Insurance for Lower Incomes
New Jersey expanded Medicaid under the ACA, and its program is NJ FamilyCare. Adults earning up to about 138% of the poverty level — roughly $22,025 for a single adult or $45,540 for a family of four under the 2026 guidelines — may qualify for free or very low-cost coverage. Medicaid uses the current year's guidelines, so these dollar lines will shift when the 2027 guidelines are published in early 2027.
What changes for NJ FamilyCare in 2027
Starting January 1, 2027, certain adults ages 19–64 on NJ FamilyCare Plan ABP (the Alternative Benefit Plan) must work, volunteer, or go to school at least 80 hours a month — or earn at least $580 a month — to keep coverage. Current members are checked at their first renewal on or after that date, and most of this group moves to renewals every 6 months. Federal law exempts groups such as pregnant and postpartum people, people who are disabled or medically frail, and parents and caretakers of children under 14. Separately, Get Covered NJ notes that NJ FamilyCare coverage for some non-citizens ends September 30, 2026.
Straight talk: NJ FamilyCare is a government program, not something we sell. If it's your best option, we'll tell you exactly that and point you to the state's application — no charge, no strings. And if your income sits above the Medicaid line, that's precisely where Get Covered NJ credits take over, and where a broker's help matters most: comparing every plan in your county.
Income near the line? Households that hover around 138% FPL — seasonal work, gig income, variable hours — can flip between NJ FamilyCare and the marketplace, and 6-month renewals mean more checkpoints in 2027. Losing Medicaid eligibility is a qualifying life event that opens a 60-day Special Enrollment Period. Don't guess at the boundary; a 10-minute call maps it.
New Jersey Health Insurance Carriers & Plans for 2027
Every plan on Get Covered NJ covers the ACA's 10 essential health benefits, but carrier lineups vary by county and can change from year to year, so a statewide list can mislead you. With 2027 rates rising, we confirm which carriers are actually offering 2027 plans in your county — and whether your doctors and prescriptions are covered — before recommending anything.
🪨 Bronze
Lowest premiums — sometimes $0 after credits at lower incomes — with the highest deductibles. Marketplace Bronze plans now count as HSA-eligible, a real perk if you can fund an HSA.
🪙 Silver
The sweet spot for most subsidy-eligible households. Under ~250% FPL (about $39,900 for one person), Cost-Sharing Reductions lift Silver's actuarial value from 70% to 73%, 87%, or 94%, depending on income — lower deductibles and copays at a Silver price.
🥇 Gold
Higher premium, lower out-of-pocket. The smart pick when you know care is coming — a planned procedure, a pregnancy, ongoing prescriptions.
🔹 Add-Ons
Dental & vision, accident, critical illness, and hospital indemnity plans stack alongside your ACA plan. See dental & vision →
Out-of-pocket ceilings rise for 2027, too: no ACA plan can make you pay more than $12,000 for one person or $24,000 for a family in in-network cost sharing for covered care, up from $10,600 and $21,200 in 2026. That ceiling is the number to weigh against a low premium. New to how metal tiers work? Our ACA marketplace plans guide covers the basics.
When Is Open Enrollment for NJ Health Insurance in 2027?
Get Covered NJ open enrollment for 2027 runs November 1, 2026 through January 31, 2027, as DOBI announced on August 10, 2026. That's about two weeks longer than HealthCare.gov states, which close on January 15, 2027 and need you enrolled by December 15, 2026 for a January 1 start. Don't let those federal dates confuse you: in New Jersey, the state exchange's calendar is the one that counts. See how New Jersey compares in our open enrollment deadlines by state for 2027, or get the full season rundown in our open enrollment 2027 guide.
When your coverage starts: Get Covered NJ's general rule is that if you enroll by December 31, coverage starts January 1; enroll in January and coverage starts February 1. The state hasn't posted year-specific 2027 cutoffs, so confirm on Get Covered NJ before you count on a start date — or let us confirm it for you. Our practical advice: finish in December and skip the gamble.
Outside open enrollment, a Special Enrollment Period opens for 60 days after qualifying events: losing job coverage, losing NJ FamilyCare, moving to New Jersey, marriage, or a new baby. Enrolling through FreedInsure works in three steps: (1) we project your 2027 income and calculate your federal credit and NJ Health Plan Savings, (2) we compare every plan in your county against your doctors and prescriptions, (3) we submit the enrollment and stay on as your advisor all year. Not sure where you land? Our see-if-you-qualify checker takes 60 seconds, or call (844) 788-3733.
One honest warning: a $0 premium is not $0 care. Free Bronze plans carry real deductibles, and 2027 out-of-pocket limits climb to $12,000 for one person. If your income is under ~250% FPL, a CSR Silver plan often beats the "free" one by thousands in a bad year. And if you do nothing, most marketplace enrollees are automatically renewed into the same or a similar plan — at New Jersey's higher 2027 rates, with federal credits still smaller than they were in 2025. Never let a plan auto-renew without a 15-minute re-shop.
How FreedInsure Helps
FreedInsure compares 14+ health insurance carriers simultaneously to find you the best rate and coverage for your specific situation.
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