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Health Insurance
Navigating health plans can be confusing. We help individuals, families, and small employers compare options and understand their benefits.
What New Jersey residents should know
- New Jersey has its own individual mandate — residents without qualifying coverage may owe a Shared Responsibility Payment on their state taxes.
- Get Covered New Jersey (GetCoveredNJ) is the state's official marketplace, where many residents qualify for financial help.
- Open Enrollment generally runs from November 1 through January 31; qualifying life events allow special enrollment.
- NJ small employers (1–50 employees) can offer group health plans to their teams.
Common coverages
- • Individual & family plans
- • Small group plans
- • Medicare supplements
- • Dental & vision
- • Short-term options
Craig's tip
Compare total yearly cost — premium plus deductible and copays — not just the monthly premium.
This is general information, not legal advice. Requirements change — call us to confirm what applies to you.
Let's talk about what matters to you.
Friendly, no-pressure advice from a local agent who knows New Jersey.