Best health Insurance plans in
New Jersey
in 2025

Explore the essential plans information for your state and see how Venteur can help you save money and empower your employees with better benefits through ICHRA.

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Market overview

Health insurance carriers on the marketplace

Plans available on the marketplace

19%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Plans

Discover the best health plans in New Jersey

Bronze

EPO

Great Value

372.33

/mo

Bronze 2 Advanced HSA: Aetna Whole Health network + MinuteClinic + Virtual Primary Care

Deductible:

In-Network: $6,000 / Out-of-Network: Not Covered

Primary Care Visits:

In-Network: 50% after deductible / Out-of-Network: Not Covered

Generic Drugs:

In-Network: 50% after deductible / Out-of-Network: Not Covered

Silver

EPO

Balanced Pick

427.85

/mo

Premium Silver + $0 Virtual 24/7 Care Visits

Deductible:

In-Network: $2,500 / Out-of-Network: Not Covered

Primary Care Visits:

In-Network: $45 / Out-of-Network: Not Covered

Generic Drugs:

In-Network: $25 / Out-of-Network: Not Covered

Gold

EPO

Great Coverage

662.35

/mo

Gold Classic PCP Saver

Deductible:

In-Network: $1,750 / Out-of-Network: Not Covered

Primary Care Visits:

In-Network: $10 / Out-of-Network: Not Covered

Generic Drugs:

In-Network: $10 / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Insurance providers available in New Jersey

Horizon BlueCross BlueShield of New Jersey

How it works

Get these plans for my team

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

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Taking down group plans one premium at a time

Venteur

ICHRA magic

Group Plan

Ho-hum

Responsibility taken by the individual market plan

Personalized plan choices

Easy and flexible plan design

Control over premium increases

No minimums for participation

FAQs

You got questions. We got answers!

Is NJ FamilyCare the same as Medicaid?

Yes, NJ FamilyCare is New Jersey's Medicaid program. It provides free or low-cost health insurance to eligible residents, including children, pregnant women, parents/caretaker relatives, and adults without dependent children. Coverage includes essential services such as doctor visits, hospital care, family planning, and diagnostics.

Is short-term health insurance available in New Jersey?

No, short-term health insurance is not available in New Jersey. State regulations prohibit the sale of these plans to ensure residents have access to comprehensive ACA-compliant health insurance options. Residents can explore alternatives like ACA Marketplace plans for temporary or long-term coverage.

Where can I find information about health insurance in New Jersey?

You can find detailed information about health insurance plans in New Jersey through Venteur's platform. Venteur offers personalized options tailored to your needs, including Bronze, Silver, and Gold-tier plans available on the ACA Marketplace. Additionally, you can use tools like Get Covered NJ for state-specific marketplace insights.

Which New Jersey health insurance plan is right for me?

The best health insurance plan depends on your specific needs and budget. Bronze plans offer lower premiums but higher out-of-pocket costs, while Gold and Platinum plans provide more comprehensive coverage with higher premiums. Venteur's AI-powered recommendations can help you choose the best plan based on your unique situation.

Is health insurance expensive in New Jersey?

Health insurance costs in New Jersey are higher than the national average. For example, employer-sponsored coverage averages $659 per month per adult, which is 15% above the U.S. average. However, subsidies and ACA-compliant plans can make coverage more affordable for eligible residents.

Are there any specific health insurance plans for seniors in New Jersey?

Yes, seniors in New Jersey can access Medicare plans such as Original Medicare, Medicare Advantage, and Medigap policies. These plans cover hospital stays, outpatient services, prescription drugs, and additional benefits like dental and vision care. Venteur also offers solutions for seniors through its partnerships with certified brokers.

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