NJ Department of Banking and Insurance Releases Initial Health Insurance Rates for the Individual Market for Plan Year 2026
Federal Inaction on Enhanced Premium Tax Credits Among Issues Impacting Consumer Costs
TRENTON — The New Jersey Department of Banking and Insurance today announced that plan year 2026 health insurance initial rates have been submitted by insurance carriers operating in the individual market, which includes Get Covered New Jersey, the State’s Official Health Insurance Marketplace.
New Jersey has around ~513,000 residents enrolled in ACA exchange plans, 85% of whom are currently subsidized. I estimate they also have another ~76,000 unsubsidized off-exchange enrollees.
(Aetna/CVS is pulling out of the entire individual market nationally; I've estimated their current enrollment, see below for methodology)
AmeriHealth HMO:
AmeriHealth HMO, Inc. ("AHNJ”) is revising premium rates for the New Jersey Individual Health ACA compliant products, effective from January 1, 2026. Rate increases average 16.8%, ranging from 16.8% to 16.8%. The proposed revisions to each plan are shown on the last page of this exhibit. About 35 members will be affected.
Open Enrollment Period through Get Covered New Jersey Begins November 1, 2025
TRENTON — New Jersey Department of Banking and Insurance Commissioner Justin Zimmerman today announced a total of $5 million in available grant funds for community organizations to apply to serve as state-certified Navigators for the Get Covered New Jersey Open Enrollment Period and throughout 2026. Navigators offer free, unbiased, community-based education and assistance to consumers seeking to enroll in health insurance through Get Covered New Jersey, the State’s Official Health Insurance Marketplace.
With the pending dire threat to several of these programs (primarily Medicaid & the ACA) from the House Republican Budget Proposal which recently passed, I'm going a step further and am generating pie charts which visualize just how much of every Congressional District's total population is at risk of losing healthcare coverage.
USE THE DROP-DOWN MENU ABOVE TO FIND YOUR STATE & DISTRICT.
NJ Department of Banking and Insurance Warns of Congressional Reconciliation Bill Package’s Impact on Health Insurance Access
TRENTON — New Jersey Department of Banking and Insurance Commissioner Justin Zimmerman has sent a letter to New Jersey’s Congressional delegation warning them of the devastating impacts of the reconciliation package on access to quality, affordable health coverage for millions of Americans who need it, including over 513,000 New Jerseyans. The letter follows the U.S. House passage of the reconciliation package on May 22. A version of the bill is currently pending before the U.S. Senate.
The bill package would repeal key provisions of the Affordable Care Act, making it more difficult and expensive to enroll in coverage through Get Covered New Jersey, the State’s Official Health Insurance Marketplace. This legislation would:
Welp. House Republicans did indeed follow through with passing their horrific (and disgustingly-titled) "One Big Beautiful Bill" Act which will effectively repeal the bulk of the ACA without officially repealing it, and that's just for starters.
The final vote was 215 - 214, with every Republican except a handful voting for it (and the two who voted against it openly admitted to the NY Times that they would have voted for it if their votes had been needed), and every Democrat voting against it. There were 2 Republican "no" votes...but both of those were only because they wanted the final bill to be even more draconian.
There's so many awful things included in the bill, many of which are of course healthcare-related, and it would take hundreds of blog entries to discuss them all...but I want to focus on one in particular.
For over a decade, State-Based Marketplaces have provided private health coverage to tens of millions of Americans, ensuring their health, well-being, and economic security. The Americans who depend on the Marketplaces include working parents, small business owners, farmers, gig workers, early retirees, and lower and middle-class individuals of all ages, political views, and backgrounds who drive our local economies and make both our rural and urban communities thrive.
The legislation under consideration in the House will severely impact the ability of these millions of Americans to continue to access this coverage and the health and financial security they depend on today. This will make for a sicker, less financially secure American public and strain hospitals and health care providers by increasing uncompensated care.
Congress Urged to Renew Expiring Enhanced Premium Tax Credits and Prevent Unnecessary Increases in Health Care Costs for New Jersey Residents
Over 450,000 Get Covered New Jersey enrollees would be impacted by loss of expanded financial help
New Jerseyans could lose more than half a billion dollars in federal support and face higher health insurance costs
TRENTON — Warning about significant health insurance premium increases for over 450,000 New Jerseyans, New Jersey Department of Banking and Insurance Commissioner Justin Zimmerman sent a letter to New Jersey’s Congressional delegation strongly urging them to extend the expiring federal enhanced premium tax credits that have enabled hundreds of thousands of New Jersey residents to enroll in quality, affordable health insurance through Get Covered New Jersey, the State’s Official Health Insurance Marketplace.
Enrollment More Than Doubled Since the Murphy Administration Took Over Operations of Marketplace - Over a Half a Million New Jerseyans Signed Up for 2025 Coverage
Residents with a Qualifying Life Event or Who Meet Certain Income Levels Still Have Options to Get Covered
TRENTON — Governor Phil Murphy and New Jersey Department of Banking and Insurance Commissioner Justin Zimmerman today announced that Get Covered New Jersey – the State’s Official Health Insurance Marketplace – hit an all-time record enrollment with more than a half a million New Jerseyans signed up for 2025 health coverage. Enrollment on the marketplace has more than doubled since the Murphy Administration took over operations from the federal government and launched Get Covered New Jersey in 2020.
