FreedomBenefits.net
affordable health insurance
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The health insurance exchange makes it easy
to find affordable high quality coverage
available in your home state.
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Professional
enrollment support is available for all of the benefit plans listed on this page.
Send your question by
e-mail or live online chat.
Most Liberal Eligibility
Most Affordable
Long Term Major Medical
Dental Insurance
Online Life Insurance
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New Jersey Affordable Health Insurance Exchange
New Jersey has 10
commercial health
insurance companies
that offer
guaranteed issue
individual coverage
and 13 small group
health insurance
plans. These
standard health
insurance plans may
not be affordable to
all residents. This Web page lists
the very few low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.
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New Jersey insurance & benefit news
New Jersey had the
16th highest health
insurance costs of
all states in 2008
with an average
family premium of
$12,789 per year.
(The average annual
premium for a U.S.
family covered under
an
employer-sponsored
health plan in 2008
was $12,298
according to
The
Commonwealth Fund
report. The
overall quality of
health care
ranked 30th out of
the 51 states
(including DC).
New Jersey regulates the benefits required for both
individual major
medical and group
health insurance
plans, known as
"mandated benefits".
Short Term Insurance
Intermediate Term
Supplemental Insurance
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New Jersey Insurance Law
The
New Jersey Department
of Insurance Web site contains
a link to the
Regulatory and Legal
Affairs Web page.
The
state's Web site
also publishes
information
to help individuals
find
individual health
insurance, including
the current rates of
all available major
medical insurance
and HMO plans. The
site does not list commercial low cost
health plans like
mini-med or core
coverage, specific
illness policies,
supplemental
insurance and
basic health
insurance.
The state insurance department can be reached by telephone at (609) 292-7272 or by mail at
P.O. Box 471,
Trenton, NJ 08625.
The state children's
health insurance
plan (CHIP) Web site
is
New Jersey FamilyCare.
Non-insurance Discount Plans
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Consumer Insurance Issues
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in New Jersey is now available at Freedom Benefits.
3/23/2010 The state's proposed 2011 budget
calls for drastic cuts in FamilyCare, the state health program for low income
residents.
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 Contact the Author:
The content on this Web page was last updated by consumer finance
writer Tony Novak on 5/12/2010. Comments, feedback, questions and
corrections are welcome to help keep content relevant and up-to-date. Contact the author directly by e-mail, on Facebook, Twitter or the contact
information included on his Web site.
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