Open enrollment begins for get covered new jersey as federal aid wanes

TRENTON, N.J. – Open Enrollment for Get Covered New Jersey, the state’s official health insurance marketplace, begins Saturday, giving residents a chance to review coverage options amid looming federal changes that will increase premiums nationwide.

Governor Phil Murphy and Banking and Insurance Commissioner Justin Zimmerman announced the launch Friday, urging consumers to compare plans early to find affordable coverage before enhanced federal tax credits expire.

More than half a million New Jersey residents enrolled through Get Covered New Jersey this year — a record high and a 108 percent increase since the state marketplace debuted.

The Murphy Administration created Get Covered New Jersey to give individuals and families without employer or public insurance access to affordable health coverage and financial assistance.

Record enrollment meets new affordability challenges

Eight in ten enrollees qualify for savings through the state marketplace, which remains the only platform where New Jersey residents can access both federal and state financial help. But officials warned that the federal government’s failure to extend enhanced premium tax credits could drive up costs in 2026.

Governor Murphy said the expiration of these credits, alongside other federal policy changes, threatens to undo progress in making health care affordable. “We are encouraging all residents to explore their options and take advantage of community-based outreach and assistance,” Murphy said.

Commissioner Zimmerman added that consumers should act early, noting that free help from trained professionals is available to guide residents through enrollment and determine eligibility for savings.

Congressional inaction puts subsidies at risk

Federal enhanced premium tax credits, which helped lower monthly costs for thousands of residents, are set to expire at the end of 2025. Without renewal, New Jersey could lose more than half a billion dollars in federal assistance, and over 466,000 marketplace users — about 91 percent of enrollees — are projected to see premium increases.

While federal support declines, the state will continue to offer its own subsidies through the New Jersey Health Plan Savings program, providing an estimated $215 million in assistance next year. The Department of Banking and Insurance said it stands ready to adjust if Congress takes action to restore the higher tax credits.

State marketplace offers local help and flexibility

State officials say operating a homegrown marketplace has given New Jersey greater flexibility to respond to residents’ needs and maintain affordability through targeted subsidies. Since its 2020 launch, Get Covered New Jersey has built a statewide network of trained assisters to help residents compare coverage, understand benefits, and enroll in suitable plans.

The marketplace continues to serve as a cornerstone of the state’s health care strategy, connecting hundreds of thousands of residents to coverage while preparing for financial challenges ahead.

Open enrollment for Get Covered New Jersey begins November 1.

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