About Health Insurance in New Jersey
New Jersey is a guarantee issue health insurance state, so no one can be turned down for health insurance. East Coast Health Insurance can help you select the best insurance company for you in the state of New Jersey if you need an individual medical care plan. We provide you with plans from Oxford Health Plans, and AmeriHealth New Jersey.
- Total Population: 8,667,900
- Total Uninsured Population: 1,297,000 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $2,179
- Average State Premium for Individual Health Insurance: $364
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in New Jersey
East Coast Health Insurance simplifies the process of getting a quote for residents of New Jersey. Start by entering your zip code above, or for extra assistance you can speak with one of our experts in the state to find your best options over the phone at 888-803-5917.
New Jersey Health Insurance Market & Laws
In the state of New Jersey, health insurance laws help advocate both the insurer and the insured. One of the most important provisions relates to having a pre-existing condition. This is defined in New Jersey as a condition you were diagnosed with, or for which you have received medical care, in the six months prior to enrolling in health insurance. Health insurance companies in New Jersey can set exclusion periods (length of time insurance is unwilling to cover expenses for your condition) for pre-existing conditions for a maximum of 12 months.
When changing insurance carriers, and you have a pre-existing condition, your old plan can be used as a credit towards your exclusion period with the new plan. If you have had continuous coverage without any breaks, you are eligible to use your previous plan to cover expenses related to your pre-existing condition.
Also, all health insurance plans in New Jersey must contain the guaranteed renewability provision. This protects the policy-holder by giving them the ability to renew their plan when a term has ended, as long as they have paid their premiums and not violated the policy.
Insurance companies in New Jersey are required by law to provide you with more options than most states, such as standardized plans, and they cannot refuse to sell you a policy due to health, risk of illness, or age. It is also illegal for insurers to increase your premiums based on your health status or gender, though the size of your family, age, and income are potential cost variables.
Standardized plans are required to be provided by health insurance companies in New Jersey. There are six plans that must be offered with the additional health insurance policy options a company provides. With these laws in place, the consumer has more options to get affordable care and not be overcharged.
For more information on health insurance regulations in New Jersey, visit the Department of Banking and Insurance site.
1.Kaiser Family Foundation, “New Jersey – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “New Jersey Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-New Jersey.html