The hotly contested Affordable Care Act (ACA) was supposed to have completely transformed the way Americans go about purchasing individual New Jersey health insurance plans, and for many people it has certainly done that and more.

At the same time, there are millions of people here in New Jersey (and millions more all over America) that still aren’t quite sure of what they need to do to purchase individual health insurance – and aren’t able to find the kind of inexpensive individual health insurance they need to protect themselves without blowing up their monthly budget along the way.

In order to help you find the kind of individual health insurance from that you deserve and at a price point you can afford, we’ve put together this quick guide.

The Health Insurance Marketplace isn’t always open

The first (and maybe most important) thing that you have to realize is that the Health Insurance Marketplace for individual plans ISN’T always open all year round.

With the changes that the ACA has put in place, individuals are only going to be able to purchase an individual health insurance plan between November 15 and January 31, during a block of time they call “Open Enrollment”.

That means that if you haven’t purchased your health insurance before January 31, 2016 you may not have the opportunity to do so again until November 15, 2016 – and you’ll have to go the entire year without coverage.

Make sure you do not miss this deadline.

You can get free help in finding the best health insurance with one phone call

Secondly, it’s important to remember that you were going to be able to get free professional help finding the best individual New Jersey health insurance plans for your specific needs with just one phone call to the closest major medical facility or hospital in your area.


All of these major medical facilities have professional health insurance counselors on staff that are going to be able to advise you through the entire process, getting you the kind of health insurance you deserve at a price point that you’ll be able to afford. They work free of charge (they are paid by the hospital or medical facility), so don’t be afraid to take advantage of the advice that they are all too happy to share with you!

Also, you’ll want to make sure that you ask them about any possible subsidies you may be able to take advantage of to lessen the cost of your individual New Jersey health insurance plans.