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?

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 $30,000.1 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, you may be eligible for financial assistance from the government to help you pay for a plan. See if you qualify for a tax credit.
  • The State of New Jersey has an individual health insurance coverage mandate, which requires New Jersey residents to have health insurance or possibly pay a fine. Learn more about the fines at GetCovered.NJ.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/