New Jersey Health Insurance Enrollment Opens: 2027 Plans Available Through Jan. 31; Check Your Subsidy in Advance With ZIP Code and Income

Enrollment for 2027 plans on Get Covered New Jersey, the state's official health insurance marketplace, opens on the 1st and runs through Jan. 31 next year. The state Department of Banking and Insurance said residents can see available plans and estimated premium assistance before enrolling by entering only their ZIP code, date of birth and income.

The enrollment period for 2027 plans on Get Covered New Jersey, the state's official health insurance marketplace, begins on the 1st and runs through Jan. 31 next year. In an announcement on the 28th, the New Jersey Department of Banking and Insurance (DOBI) said residents can compare 2027 plans and check whether they qualify for assistance even before the enrollment period, using the "Shop and Compare" tool at GetCovered.NJ.gov.

The tool requires only a ZIP code, date of birth and income. After the information is entered, it displays the plans available and the estimated assistance that lowers premiums. Separate from federal aid, New Jersey continues to provide the state subsidy "New Jersey Health Plan Savings" to households at or below 600% of the federal poverty level.

State officials explained that enrollees face higher costs because the expanded federal premium tax credits were not extended. Enrollment in the marketplace fell by 74,492, from 509,192 on Jan. 31 this year to 434,700 on June 30.

Changes to Eligibility for Assistance Based on Immigration Status

Under the federal law H.R. 1, starting in 2027, only lawful permanent residents, Cuban and Haitian entrants, and migrants from Compact of Free Association (COFA) countries can receive premium assistance. Some lawfully present noncitizens will no longer qualify. Noncitizens who lost NJ FamilyCare (Medicaid) eligibility because of federal rule changes can enroll in a plan through Get Covered New Jersey and receive assistance through the end of this year, but starting Jan. 1, 2027, they must have a qualifying immigration status to receive assistance.

State officials said they are offering free enrollment counseling to help residents navigate the federal policy changes. More details and information on counseling are available at GetCovered.NJ.gov.