ACA / Marketplace · New Jersey
Obamacare in New Jersey: ACA Marketplace plans
Compare ACA Marketplace coverage in New Jersey. Enrollment runs through Get Covered New Jersey, and we can talk through Ambetter, Oscar and United Healthcare for the 2026 coverage year.
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Estimate your cost in two minutes
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- Marketplace
- Get Covered New Jersey
- Carriers we list
- 3
- Coverage year
- 2026
What changes inside New Jersey
How enrolling works in New Jersey
Get Covered New Jersey, the state’s own Marketplace. Your application, your documents and your deadlines live there rather than on HealthCare.gov, so confirm dates and qualifying events with Get Covered New Jersey directly.
The 3 carriers we can talk through in New Jersey
Our 2026 records list Ambetter, Oscar and United Healthcare in New Jersey. That list says who we can prepare a coverage conversation around; it does not say every carrier sells in your county, or that your doctor is in their network. Those are settled with your ZIP code and the exact plan.
What decides your cost
Price is set county by county, not statewide. In New Jersey that is the difference between a household in Bergen and one in Morris: the same carrier and the same plan name need not mean the same premium or the same network. What you actually pay also depends on your age, your household size and the income you expect for the coverage year, which is why the estimate on this page starts from your own ZIP code.
Carriers we list in New Jersey
From our 2026 coverage year records. Listing a carrier does not mean it sells in your county; that is confirmed with your ZIP code.
Questions from people in New Jersey
Which Marketplace serves New Jersey?
Get Covered New Jersey, the state’s own Marketplace. Your application, your documents and your deadlines live there rather than on HealthCare.gov, so confirm dates and qualifying events with Get Covered New Jersey directly.
Which carriers does Safeguard and Associates work with in New Jersey?
For the 2026 coverage year our records list Ambetter, Oscar and United Healthcare. We are independent agents, so the conversation starts with what your household needs rather than with one carrier.
How much does a plan cost in New Jersey?
It depends on the county, the exact plan, your age, your household size and the income you expect. The same plan in Bergen and in Morris need not cost the same. The estimate on this page gives you a figure without asking for your contact details, and you can stop there if you want to.
When can I enroll?
Open enrollment for the coverage year has fixed dates, and outside them you need a qualifying event such as losing other coverage, moving, marrying or having a child. Confirm the exact dates with Get Covered New Jersey, because state Marketplaces do not always follow the federal calendar.
Can you help if I move within New Jersey?
Yes. Moving can change which plans are available to you, because availability and price are set county by county, and a move is usually a qualifying event. Tell us before you move if you can, so we can look at what changes together.
Availability, benefits and costs depend on the county, plan, coverage year and eligibility. Confirm the plan with your ZIP code before choosing.
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