ACA Marketplace Plans (Get Covered NJ)
Individual and family health insurance sold through New Jersey's state-based marketplace, Get Covered NJ, with income-based subsidies.
About ACA Marketplace Plans (Get Covered NJ)
The Affordable Care Act (ACA) Marketplace in New Jersey is called Get Covered NJ. It is the state-based exchange where individuals and families who do not get coverage through an employer, Medicare, or Medicaid can shop, compare, and enroll in qualified health plans.
Every Marketplace plan covers ten Essential Health Benefits set by federal law and may not deny coverage or charge more for preexisting conditions. Plans are organized into Bronze, Silver, Gold, and Platinum metal tiers based on how they split costs between you and the plan.
Most New Jerseyans who buy through Get Covered NJ qualify for federal Advance Premium Tax Credits and additional state subsidies that lower monthly premiums. Cost-sharing reductions on Silver plans further reduce deductibles and copays for eligible households.
- Doctor visits, hospital stays, and emergency care
- Prescription drugs
- Maternity and newborn care
- Mental health and substance use services
- Pediatric services, including dental and vision for children
- Preventive care and screenings at no cost-sharing
- Lab work and rehabilitative services
- Pre-existing condition coverage with no exclusions
- Adult dental and vision (sold as separate products)
- Long-term custodial care
- Cosmetic and elective procedures
New Jersey residents who are U.S. citizens or lawfully present and not enrolled in Medicare; subsidy amounts depend on household size and income.
Most enrollees qualify for federal and state subsidies through Get Covered NJ. Premiums vary by county, age, household size, and plan year. Talk to a Yumi Health advisor for a personalized quote.
When you can enroll
Carriers active in New Jersey
These carriers offer this product to New Jersey residents. We shop across them to find the right fit.
New Jersey counties served
Yumi Health helps residents in all 21 New Jersey counties.
Sources
Information last reviewed: 2026-04-07. Specific premiums, networks, and benefits change every plan year — talk to a Yumi Health advisor for the most current details.
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