Step 1 — Check your subsidy
Enter your household size and income to see how much financial help you qualify for. This determines your real monthly cost — for many people it's $0.
Step 2 — Compare plans
Look at the New Jersey plans available to you with your subsidy applied. Compare total cost (premium plus deductible), your doctors and prescriptions, and the plan's network before deciding.
Step 3 — Apply and enroll
Complete the application with your details and Social Security numbers, choose your plan, and submit. Coverage starts based on the date you enroll and the plan-year rules.
Do you need an agent?
No — but a licensed agent is free and can help you choose, check your doctors, and avoid mistakes. You pay the same price whether you use one or not.