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What other insurance options are there?

You may qualify for insurance options outside of HealthCare.gov, including:

Medicaid and CHIP: If you earn under a certain household income, you and your family may qualify for Medicaid or the Children’s Health Insurance Program, known as NJ FamilyCare in New Jersey.  This program provides affordable, comprehensive coverage for eligible New Jerseyans.  If your family is eligible for NJ FamilyCare, you can apply year-round.

Medicare: Most New Jerseyans who are 65 and older and many New Jerseyans with disabilities are covered by Medicare.  HealthCare.gov does not impact your Medicare coverage, and unless you are only enrolled in Medicare Part B, you are not eligible to enroll in coverage sold on HealthCare.gov.  If you are applying for Medicare for the first time or are looking to make changes to your Medicare plan, please note that Medicare’s open enrollment period began on October 15, 2018, and concludes on December 7, 2018.

Employer-sponsored coverage: Your employer may also offer you affordable health coverage.  If you would still like to enroll in a plan on HealthCare.gov, you may do so during the open enrollment period, but you may not be able to receive the financial assistance you would otherwise be eligible for.

Small business options: Certain small businesses can enroll in the Small Business Health Options Program (SHOP) at any time during the year.  Eligible companies may also receive a tax credit for coverage purchased through the SHOP marketplace.

Options for young adults and students: Because of the Affordable Care Act, if you are a young adult under the age of 26, you may be covered under your parents’ health insurance plan, in addition to being eligible for one of the options listed above and for financial assistance on HealthCare.gov, depending on your specific circumstances.