New Jersey · Plan year 2027 · Updated October 24, 2026
New Jersey health insurance for 2027
New Jersey residents buy marketplace coverage through Get Covered New Jersey, its own state-run exchange. Open enrollment for 2027 runs November 1, 2026 to January 31, 2027. New Jersey expanded Medicaid, so adults qualify up to $22,025 a year for one person.
| Where to enroll | Get Covered New Jersey |
|---|---|
| 2027 open enrollment | November 1, 2026 to January 31, 2027 |
| Last day for Jan 1 coverage | not stated by the exchange |
| Medicaid expansion | Yes |
| State coverage mandate | Yes, with a tax penalty |
| Average 2027 rate change | +19.8% (approved), per the state's filings |
| Short-term plans | Not sold; state law bars them |
What a plan costs in New Jersey
Get Covered New Jersey publishes its own plans and prices, which aren't in CMS's federal plan files, so we don't list county prices here. Get your benchmark silver price from Get Covered New Jersey's shopping tool and enter it in the subsidy calculator to see your credit.
Medicaid and CHIP limits in New Jersey
Yearly income limits in 2026 dollars. Medicaid checks current monthly income, so divide by 12 for the monthly figure.
| Group | % of poverty line | 1 person | 2 | 3 | 4 |
|---|---|---|---|---|---|
| Adults without children | 138% | $22,025 | $29,863 | $37,702 | $45,540 |
| Parents | 138% | $22,025 | $29,863 | $37,702 | $45,540 |
| Pregnancy | 205% | $32,718 | $44,362 | $56,006 | $67,650 |
| Children under 1 | 199% | $31,760 | $43,064 | $54,367 | $65,670 |
| Children 1 to 5 | 147% | $23,461 | $31,811 | $40,160 | $48,510 |
| Children 6 to 18 | 147% | $23,461 | $31,811 | $40,160 | $48,510 |
| CHIP | 355% | $56,658 | $76,822 | $96,986 | $117,150 |
Extra help from New Jersey
- New Jersey Health Plan Savings (NJHPS). Get Covered NJ enrollees with household income up to 600% FPL (2026: up to $93,900 single, $192,900 family of four). People 400-600% FPL get NJHPS alone, with no federal APTC. (source)
Get a reminder before New Jersey's deadline
Email onlySources: Get Covered New Jersey and CMS state marketplace list (exchange and dates); MACPAC MACStats, February 2026, and state Medicaid agencies (limits); HHS 2026 poverty guidelines; IRS Rev. Proc. 2026-26. All checked October 24, 2026. Methods.
Questions people ask
When is open enrollment in New Jersey for 2027?
Get Covered New Jersey opens November 1, 2026 and closes January 31, 2027.
What is the Medicaid income limit in New Jersey?
New Jersey expanded Medicaid, so adults 19 to 64 qualify up to 138% of the poverty line: $22,025 a year for one person in 2026, checked against monthly income.