Health Insurance Agents in New Jersey

Yes. Marketplace-certified agents are paid by the insurance carriers, and your premium is the same whether you enroll through an agent, through the marketplace website, or by phone. There is no fee to you.

New Jersey residents enroll through Get Covered New Jersey, the state's own marketplace. Open enrollment runs November 1 through January 31. A licensed agent can enroll you in the same plans at the same price and help you estimate premium tax credits.

Possibly. Losing other coverage, moving, getting married, having a baby, and certain income changes open a Special Enrollment Period, usually for 60 days. Medicaid and CHIP enrollment is open all year. An agent can tell you quickly whether you qualify.

They estimate your subsidy, compare plans by the doctors and prescriptions you use, explain deductibles and out-of-pocket limits in plain English, submit your enrollment, and stay your point of contact when something goes wrong with a claim or a bill.

Many do. If you are self-employed or run a small business, an agent can compare an individual marketplace plan against a small-group plan and explain the tax treatment of each.