If you are an individual looking for health insurance in New Jersey, or sourcing other options, as insurance costs continue to rise, Health Plan One can help. Get started by inserting your zip code above to receive your free online health insurance quote.
Increasing Insurance Costs:
With the increasing cost of providing health insurance for you and your family, the prospect of finding affordable health insurance is both daunting and confusing. Health insurance premiums have risen 79.4% in NJ in the past 6 years, according to Families USA. In fact, about 966,780 NJ adults do not have insurance at all, according to Kaiser Family State Facts.
But family health insurance is essential and, luckily, there is no need to feel you are alone when selecting a plan. If you reside in New Jersey and need to find a better family health insurance plan or obtain health insurance, Health Plan One can help you review all possible insurance solutions. Fill in your zip code above to get an instant online insurance quote for your family health insurance plan.
Insurance & Politics: What Your State Government Is Doing:
In 1992, the New Jersey Legislature created two programs to guarantee access to health coverage for individuals and small employers, regardless of risk factors such as health status, age, or claims history. Excerpted: “The Individual Health Coverage Program ("IHC") and the Small Employer Health Benefits Program ("SEH") have reformed the individual and small employer (employers with 2-50 employees) health insurance markets. A third program, The New Jersey Health Access Program ("Access") provided subsidies for people who could not afford to purchase individual health coverage”
How is New Jersey different from other states in terms of Health Insurance Rules?
New Jersey currently does not have a high risk pool for those needing health insurance because medical underwriting is not allowed in the sate. This means that insurance carriers are not permitted to review the medical history of prospective members. Anyone who pays for health insurance gets health insurance.
Preexisting Conditions
If you're looking to secure small business health insurance coverage, we need some information from you about your business. Begin by inserting your zip code at the top of the page.
According to the State Of New Jersey, the Small Employer Health Benefits Program (“SEH”) that went into effect January 1, 1994, offers small employers (those with 2-50 full-time employees) the choice to purchase standardized health benefits plans, offered by all carriers, or, under certain conditions, they may purchase or renew pre-reform ("non-standard") plans. The small employer market is a "modified community rated" market, which permits carriers to consider the age and gender of the employees and the location of the business in determining rates.
New Jersey offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce. For State Health Benefits Program (SHBP) participants, COBRA is not a separate health program; it is a continuation of SHBP coverage under the provisions of the federal law.
Employees enrolled in the SHBP may continue coverage under COBRA, in any plan that the employee is eligible for, if coverage ends because of a reduction in working hours, leave of absence, or termination of employment for reasons other than gross misconduct.
New Jersey Department of Insurance
New Jersey Department of Health Services
New Jersey Consumer Health Guide
