I don’t even know where to begin signing up for health insurance...



Health insurance is a contract between you and your insurance company. You buy a plan, and they help pay for your health care costs when you get sick or hurt.

If you’ve never had health insurance before, you probably have some questions about the “Individual Mandate.” Why does it affect you? Why do you need health insurance now when you’ve never had it before?

AmeriHealth New Jersey understands the frustrations that come with the Affordable Care Act (also called Health Care Reform), but we’re here to help make it easier and even show you the silver lining. Here are some things you should know as a first time health insurance buyer.

  • Health insurance is meant to protect you from high, unexpected medical costs. The average cost of a three-day hospital stay is $30,0001. If you have health insurance, you only have to pay a fraction of that.
  • If you’ve avoided buying health insurance because you can’t afford it, the government may help you pay for a plan. See if you qualify for a federal subsidy at ahnj4u.com
  • Under the Affordable Care Act, the Individual Mandate requires everyone to have health insurance or possibly pay a fine. Learn more about the fines at healthcare.gov

Get more help choosing a plan

Or learn more about Health Care Reform and how it affects you.

1. https://www.healthcare.gov/why-should-i-have-health-coverage/