NJ FamilyCare is a federal-and state-funded health insurance program created to help qualified New Jersey residents of any age get access to affordable health insurance. NJ FamilyCare is for people who do not have employer insurance.

If you are interested in enrolling in NJ FamilyCare please look at the Who Is Eligible? section to see if you qualify. To view income eligibility limits for various family sizes, go to Income Eligibility and Cost.

The entire application process can be completed at any SJFMC health center with the help of a certified application counselor or a financial counselor. You can also complete the application here.

Now is the time to buy health insurance for next year. Read the Get Covered New Jersey information below and make sure you’re covered for whatever life brings.

Plans and prices change every year, and there are more choices available for 2026, so we encourage you to shop and compare plans to find the coverage that best fits your needs and budget.

Since 2021, the federal government provided increased financial help to Marketplace consumers through enhanced premium tax credits. Many New Jerseyans qualified for record levels of financial help. Unless Congress acts and extends the enhanced premium tax credits, this increased financial help will end on December 31, 2025.

While financial help will still be available next year, many enrollees will receive less than they did before, resulting in higher premiums for most health insurance plans in 2026.

Five insurance companies are offering health plans in 2026 through the marketplace: Ambetter from WellCare of New Jersey, AmeriHealth, Horizon Blue Cross Blue Shield of New Jersey, Oscar, and UnitedHealthcare. Aetna coverage is not available through GetCoveredNJ for 2026, as the company decided to stop selling marketplace plans nationally including in New Jersey. Consumers who had Aetna plans in 2025 should shop for a plan with the providers and services they use. Aetna consumers should update their applications and choose their plan during the Open Enrollment period.

If you have a Marketplace plan and choose auto-renewal, you will be automatically re-enrolled in the same health plan for the next year during Open Enrollment with financial help if you are still eligible. If you don’t choose to let GetCoveredNJ electronically check your income data, your coverage will be renewed without financial help. This will mean you pay a higher share of the premium.  Look for the option to allow GetCoveredNJ to check IRS data each year on the last page before you submit your application.

You can cancel your plan at any time but remember that there are health and financial risks to having coverage gaps and not having coverage. There is a requirement in New Jersey for individuals to maintain coverage.

Remember: For coverage starting January 1st, you must enroll by December 31st! Open Enrollment ends January 31st.

Meet with a trained SJFMC Health Insurance Navigator and receive free help to find a health insurance plan that is right for you and your family. To make an appointment to get covered, call us at 609-481-3100 or visit www.getcovered.nj.gov.

For frequently asked questions, click here (for English version) or here (for Spanish version).