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News Release

New Jersey Department of
Banking and Insurance

Commissioner Marlene Caride

For Immediate Release:
December 28, 2020

For Further Information:
Trish Graber
Eva Loayza
(609) 292-5064

Final Days to Enroll in Health Insurance at Get Covered New Jersey for January 1st Coverage

Residents Must Enroll by Dec. 31 for Coverage Beginning in the New Year; 8 in 10 Qualify For Financial Help

TRENTON — Department of Banking and Insurance Commissioner Marlene Caride today reminded New Jersey residents that there are four days left to enroll in health coverage that starts on the first of the year. New Jersey residents can shop for quality, affordable health insurance at the state’s official health insurance marketplace, Get Covered New Jersey ( Residents must select a plan by December 31, 2020 for coverage beginning January 1, 2021.

“As 2020 comes to an end, we urge residents still seeking health insurance to explore their options and enroll now to ensure coverage starting in the New Year,” said Commissioner Caride. “Free help is available from trained, certified assisters across the state to guide residents through the process, and there is more financial help available than ever before to lower the cost of a plan for those who qualify. If you have not signed up for 2021 coverage, visit Get Covered New Jersey now to find a plan that best fits your needs and budget.”

New state subsidies are available this year in New Jersey under a law signed by Governor Phil Murphy, resulting in more financial help than ever before to lower the cost of health insurance for those who qualify under the Affordable Care Act income thresholds. About 8 in 10 consumers purchasing coverage at Get Covered New Jersey will qualify for financial assistance. 

New Jerseyans whose annual income is up to 400% of the Federal Poverty Level ($51,040 for an individual and $104,800 for a family of four) qualify for state subsidies in addition to the federal Advance Premium Tax Credit (APTC). The amount of financial help received by qualifying residents who have selected a plan during open enrollment is about $485 a month on average, or about $5,820 for the year. The financial help amount includes $556 a year in savings from the state subsidy per person, on top of the federal Advanced Premium Tax Credit. The current average monthly premium for those receiving financial help is the lowest in years at $120 a month per person, down from $164 a month per person last year.

All plans available through Get Covered New Jersey cover the 10 essential health benefits mandated by the Affordable Care Act, including free preventive care, and coverage for emergency services, prescription drugs, pregnancy, maternity and newborn care, as well as mental health and substance use disorder services. No one can be denied coverage due to a pre-existing condition.

Get Covered New Jersey worked with to transition consumers to the state and automatically continue coverage for eligible consumers. Since plans and prices change each year, all consumers should review their options to ensure they get the best plan to meet their needs and budget.

Open Enrollment ends January 31, 2021. For those who enroll in January, coverage will start on February 1, 2021.

Residents can shop and compare plans, and see if they qualify for financial help at

To get free help choosing a plan from a trained, certified assister, residents can go to Find Local Assistance on the Get Covered New Jersey website. Residents previously enrolled in a plan through can find more information on accessing their account at:

About Get Covered New Jersey

Get Covered New Jersey is the state’s official health insurance marketplace, where New Jerseyans can find quality affordable insurance from private health insurance companies. Get Covered New Jersey is the only place where individuals who qualify can get financial help to reduce premium costs. Consumers can then compare health insurance plans and choose the plan that best fits their health needs and budget. Depending on their income, some consumers may qualify for low-cost or free coverage from NJ FamilyCare. Get Covered New Jersey is operated by the New Jersey Department of Banking and Insurance. It was established by state law and created by New Jersey, for New Jersey. For more information about Get Covered New Jersey, please visit

OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
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