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New Jersey health insurance

A guide to affordable health insurance in the Garden State

new-jersey guide to health insurance

How healthy is living in New Jersey? The state is ranked the eighth healthiest state to live in according to the 2012 edition of America's Health Rankings® by the United Health Foundation. This is the state's highest ranking since reporting began in 1990.

The good news:

  • Fewer than 17 percent of adults smoke – that's the third-lowest rate in the nation.
  • Preventable hospitalizations have declined over the past five years.

The bad news:

  • More than 15 percent of the population does not have health insurance.
  • Public health funding dropped $4 per person from 2011 to 2012.

New Jersey's best and worst category rankings:

  • Smoking – 3rd
  • Obesity – 4th
  • High School Graduation Rate – 6th
  • Infectious Disease – 6th
  • Public Health Funding – 32nd
  • Lack of Health Insurance – 33rd
  • Preventable Hospitalizations – 33rd

For more details see the United Health Foundation’s latest findings on New Jersey.

Trust for America’s Health is another source for key New Jersey health quality findings.

In addition, 2010’s federal health reform, the Affordable Care Act (ACA), included the creation of a prevention fund to provide more than $16 billion over the next 10 years to invest in effective, proven prevention efforts, like childhood obesity prevention and tobacco cessation, and the site has a report on how it impacts New Jersey here.

Get local health results

State snapshot too large? Get county-by-county health rankings for New Jersey, from the Robert Wood Johnson Foundation and the Population Health Institute at the University of Wisconsin.

Does New Jersey have
a health insurance high risk pool?

IMPORTANT UPDATE: In 2010, New Jersey started offering health care insurance coverage to residents through the federally established temporary high-risk pool program. Learn about eligibility here.

Rapidly becoming obsolete as state health insurance exchanges prepare to open, risk pools were state-sponsored programs that helped people who could afford to buy health insurance, but were not able to get underwritten in the private market because of a pre-existing health condition.

Programs varied significantly from state to state in price, benefits and number of people served. Often insurance companies doing business in the state were required to contribute to the pool to keep it in the black.

In the best cases, they allowed people to be able to switch jobs or become self-employed without the fear of losing their health insurance coverage. Read more about risk pools here.

More New Jersey resources

New Jersey state health insurance exchange

New Jersey’s exchange

Find out what your state’s health insurance exchange will look like.


$7.7 million to 44,998 families

Insurance companies were forced to return an average of $300 per New Jersey family in 2012.


Find out how your member of the New Jersey Congressional delegation voted on health care.

NJ state government resources

New Jersey Department of Banking & Insurance

Information for health insurance consumers from the State of New…

New Jersey Medicaid

Medicaid provides health insurance to parents/caretakers and dependant children, pregnant women, and people who are aged, blind or disabled. These programs pay for hospital services, doctor visits, prescriptions, nursing home care and other…

New Jersey Shopping for Health Insurance

Provides information health insurance for citizen’s of New…

NJ FamilyCare

Low cost or no cost health insurance program from the State of New Jersey kids and certain low-income…

What Is New Jersey Health Insurance Reform?

The New Jersey Legislature in 1992 created two programs to guarantee access to health coverage for individuals and small employers, regardless of health status, age, claims history, or any other risk…

NJ advocacy resources

New Jersey Citizen Action

Working for quality of health care for all who live in New…

New Jersey for Health Care

Dedicated to common sense solutions to ensure that every New Jerseyan can get the care they need when they need…

NJ:One Plan, One Nation

A labor and grassroots coalition that advocates single-payer health care for all Americans. We use HR 676 — the United States National Health Care Act, also known as Expanded and Improved Medicare for All — as a…

Other NJ health insurance links

New Jersey Consumer Health Helpline

A free program that helps consumers access affordable, quality health care and effectively navigate the often complex health insurance system, sponsored by CitizenAction Education…

New Jersey health insurance companies

AmeriHealth HMO - New Jersey
Horizon Blue Cross Blue Shield of New Jersey
Oxford Health Plans, Inc.

Health insurance for NJ individuals

Resources for those individuals seeking health care insurance in New Jersey. If you are looking for New Jersey Medicare, visit our site for health insurance over 65.