Best Health Insurance In New Jersey

The population in New Jersey is growing.  Currently at 8.938 million people, every resident must have health insurance as a mandate from the Patient Protection and Affordable Care Act.  Figuring out what the best health insurance in New Jersey is can be challenging, especially if you are not sure what category you fall into when it comes to health insurance.  Let’s start off with some of the best plans from and make our way through the best health insurance in New Jersey.

Private Health Insurance Provided Through Employment

The best health insurance in New Jersey comes from businesses that provide insurance to their employees as a working bonus.  While the number of companies that do this and the quality of the insurance are decreasing, most employers offer a range of plans that can be selected depending on cost and need.  With affordable rates taken out of a paycheck pre-tax, you can save a lot of money by going through your employer.


The state of New Jersey provides medical coverage for those who cannot currently afford it.  Individuals with a monthly income of less than $903 a month with the first $20 a month excluded can qualify for insurance coverage by the state.  Why is this second in the list of best health insurance types?  Oddly enough, Medicaid covers nearly all expenses associated with injury, leaving you paying very little.  In addition, it can cover services at doctor’s offices and all medically relevant treatments.  Often, the amount a person would have to earn above Medicaid and break even is around 5 to 6 thousand dollars more before they see any increase in their disposable income.

The State-Run Exchange

The state-run exchange setup through the Patient Protection and Affordable Care act varies greatly in its quality and will depend on a lot on what you can afford, what subsidies you can apply for, and what you get lucky enough to find.  It is third on the list for best health insurance because it can range so widely in coverage.


Similar to Medicaid, Medicare is set up for everyone over the age of 65, as well as those with special needs.  Medicare is a safety net, and as a result does not have a reputation for having the best insurance.  That is why it finds itself at the bottom of the list for possible kinds of insurance offered in the state of New Jersey.