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health19h ago
What you need to know before shopping for health insurance on GetCoveredNJ in 2026
- Open enrollment for GetCoveredNJ runs through Jan. 31, with multiple carriers offering plans nationwide in New Jersey.
- Federal enhanced premium tax credits expired, increasing potential costs for middle-income households without renewal.
- New Jersey has provided more than $1 billion in state funding to reduce premiums via the Health Plan Savings program.
- State subsidies remain available for lower-income residents even as federal aid wanes.
- Health plans increasingly offer health savings accounts, especially bronze plans, to curb costs.
- State officials stress ongoing readiness to act if federal credits are renewed by Congress.
- New Jersey’s Health Plan Savings program continues to cushion costs for consumers.
- Five carriers operate in New Jersey: Ambetter from WellCare, AmeriHealth, Horizon BCBSNJ, Oscar, and UnitedHealthcare.
- Most bronze plans include health savings accounts to save tax-free for medical expenses.
- Consumers are advised to compare prices and plan options due to varying subsidies and generosity of plans.
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