Health Insurance for Low Income New Jersey Residents

Take a look at the ways you can get help paying for health insurance if you qualify:

Premium Tax Credits

Federal premium tax credits can help lower your monthly premium payments. Eligibility for the premium tax credit is based on several things, including your income and household size.

You can apply some or all of your premium tax credit to your monthly insurance premium payment. New Jersey’s health insurance marketplace — Get Covered NJ — will send your tax credit directly to your insurance company and you will pay less each month. This is called taking an “advance payment of the premium tax credit”” or APTC.

Find out if you’’re eligible at GetCovered.NJ.gov.

New Jersey Health Plan Savings (NJHPS)

New Jersey residents also have access to a state subsidy called New Jersey Health Plan Savings, which can help lower the cost of health insurance. Residents qualify for this subsidy based on income. Households with annual incomes up to 600 percent of the federal poverty level will receive NJHPS.

In 2022, an individual with an income of up to $77,280 and a family of four who makes up to $159,000 can receive state subsidies to lower the costs of health insurance. These savings are in addition to federal financial help.

Lower out-of-pocket costs

If you qualify for a premium tax credit and have a household income that’s below 250 percent of the federal poverty level, you may also qualify for a Cost-sharing Reduction (CSR). This lowers the amount you pay for out-of-pocket costs, such as deductibles, copays, and coinsurance. It means you will pay less out of pocket each time you get medical care, including at the doctor’s office, hospital, or urgent care center.

At GetCovered.NJ.gov, CSRs are often called “extra savings.” If you qualify for these extra savings, you will get them only if you enroll in a health plan at the Silver level. When you shop for plans, look for the plan level: Bronze, Silver, or Gold. You can use a premium tax credit for a plan at any level, but you will only get the extra savings if you choose a Silver CSR plan. Read more about plan levels below.

If you qualify for CSRs, you also have a lower out-of-pocket maximum. Every time you pay out of pocket at the doctor’s office or for prescription drugs, those payments go towards your maximum. When you reach your maximum, your plan covers 100 percent of all covered services.

If you are a member of a federally recognized tribe or are an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder, you may qualify for more savings.

AmeriHealth New Jersey offers many low cost health plans to fit your needs and budget

Under the Affordable Care Act, we are required to organize all plans by the level of coverage they offer using metallic tiers. We offer Bronze, Silver, and Gold health plans for individuals and families. All health plans cover the same essential health benefits, which include doctor visits, hospital stays, prescription drug coverage, blood tests, X-rays, preventive care, and more. But how much you pay in monthly premium and out-of-pocket costs when you need care is different. Compare cost and coverage by tier:

Details	Monthly cost	Cost when you get care	Good option if you…
Gold	$$$	$	Plan to use a lot of health care services
Silver	$$	$$	Want to save on monthly premiums while keeping your out-of-pocket costs lower
Bronze	$	$$$	Don’t plan to need a lot of health care services

Platinum Monthly cost $$$$ Cost when you get care $ Good option if you… Plan to use a lot of health care services

Gold Monthly cost $$$ Cost when you get care $$ Good option if you… Want to save on monthly premiums while keeping your out-of-pocket costs low

Silver Monthly cost $$ Cost when you get care $$$ Good option if you… Need to balance your monthly premium with your out-of-pocket costs

Bronze Monthly cost $ Cost when you get care $$$$ Good option if you… Don't plan to need a lot of health care services

Ready to choose an affordable AmeriHealth New Jersey health plan?

You can enroll in a health plan through GetCovered.NJ.gov or amerihealthnj.com. Tax credits are only available when you enroll through GetCovered.NJ.gov.

If you don’t qualify for financial assistance, you can choose from a variety of affordable New Jersey health insurance plans offered directly through AmeriHealth New Jersey. When you purchase directly from us, you have more cost-saving options and it’s easier to make updates to your policy. We also have licensed agents who can help you find a plan that best meets your needs.

Typically, you must enroll in health coverage during the annual Open Enrollment Period (OEP) from November 1 to January 31. You may be able to apply for coverage outside of this time period if you have a qualifying life event, such as getting married, having a baby, losing coverage through an employer, or moving to a new area (called a Special Enrollment Period, or SEP).

To shop for a health plan and enroll, visit or call: