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New Jersey Health Insurance FAQs
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NJ Health Insurance FAQs

1. How can I obtain affordable health insurance coverage?
  There are new individual and small group health insurance options being offered here in New Jersey by major health insurance carriers. These new plans were not available previously and are more affordably priced.

2. What are the new rules related to dependent coverage for children or students under age 30 living at home?
  The State of New Jersey now allows dependent children under age 30 to continue on a health benefits program if they qualify, at a discounted monthly premium, with direct home-billing availability.

3. My spouse and I own a small business in New Jersey. Are we eligible for lower cost group health insurance?
  A small business owned and operated by a husband and wife may qualify for lower cost NJ group health insurance, provided certain eligibility requirements are met.

4. Can I get group health insurance if I have only one full-time employee other than myself?
  You may qualify for a New Jersey group health insurance plan with only two full-time employees. It may even be possible to qualify for a lower-costing group health plan if only one employee or business owner actually enrolls.

5. What is an HSA plan?
  An HSA (Health Savings Account) is a tax-advantaged, low cost group health insurance program available to both small and large group businesses in New Jersey. It combines a high deductible indemnity health plan with a tax-advantaged savings account provided by an affiliated financial institution. This program, in turn, can be used to pay for many health-related expenses on a tax-free basis. To see if an HSA would be right for your New Jersey business click here for your free no-obligation health insurance quote.

6. Can I obtain low cost, catastrophic health insurance?
  Yes. Individuals, families and small businesses may purchase low-cost, high copay, high deductible, indemnity, HMO or EPO insurance plans. You, in turn, take on more of the day to day typical health care costs associated with primary health services (e.g. doctor visits) and prescription drugs.

For your FREE No-Obligation New Jersey Health Insurance Quote - Click Here
Free NJ Health Insurance Quote

7. If I have a pre-existing health condition, can I still get coverage?
  Even though you may have a pre-existing condition, health insurance coverage may be available to you in New Jersey. Since circumstances can vary by case it is recommended that you talk to a New Jersey health insurance professional in order to get the best advice for your particular situation.

8. Can I purchase a Hospital Only Plan?
  Both individuals and small businesses can purchase a Hospital based services only health plan.

9. What is the easiest way to get a quote on affordable New Jersey health insurance?
  Simply click here to request a free no-obligation NJ health insurance quote. Get prices online in less than a minute to help you compare and get the best option for you and your family or business.

Free No-Obligation NJ Health Insurance Quote - Click Here

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