Getting started

Picking a health care plan can be a very complicated decision. You have specific needs that are different from anyone else's, and that's why we offer different kinds of plans. Each piece of an AmeriHealth New Jersey plan covers a specific need and understanding those pieces is your key to finding the plan that fits you best.

When choosing a plan you will have to make decisions about:

  • Coverage network
  • Metallic category
  • Referral preferences
  • Health Savings Account

These choices will affect important things like where you can go to get medical treatment and how you'll pay for your plan.

It's also important to see if you qualify for a subsidy from the government. Because of the Affordable Care Act, many people are now getting help paying for health insurance even if they never have before. See if you qualify at


A subsidy is an amount of money that the government is required to pay towards your health insurance. But you have to qualify to receive one, and that depends on your income and the number of people in your household. You could receive tax credits, pay lower prices on health care services and products or both.

If you don't qualify for a subsidy, then you can enroll directly through AmeriHealth New Jersey. But first, let's go over a few things. We'll start with your options for a coverage network.