#nj health insurance
New Jersey Health Insurance (NJ)
Choose from the list below to learn more about specific health insurance providers in New Jersey. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.
Health Insurance Providers in New Jersey (NJ)
Individual Health Insurance in New Jersey (NJ)
Group Health Insurance in New Jersey (NJ)
Group health insurance regulations in New Jersey provide that a qualified person cannot be refused or charged more for coverage because of a health problem. A new job or new HMO can require a waiting period until covering you with insurance. Some life changes that deal with children, family, marriage, and job loss can affect your opportunities for group health coverage. Group insurers are allowed to look back at your medical history for the last six months before coverage, assessing whether you have a pre-existing condition. If one exists, the company can apply an exclusion period for coverage at the beginning of your new group insurance; the length of the exclusion varies with your type of group coverage. If you have had continuous coverage of your pre-existing condition, with no lapses of over 63 days, you are entitled to creditable coverage. There are several state governments which removed some protections from their group s insurance plan; contact your employer to determine if you are affected.
Small Business Health Insurance in New Jersey (NJ)
Small businesses with two to 50 employees cannot be refused small group insurance and it cannot be cancelled due to illness of the insured group. The premium costs are determined using the modified community rating. In New Jersey, insurance companies must offer standardized plans.
Self-Employed Health Insurance in New Jersey (NJ)
New Jersey Department of Banking and Insurance