When is open enrollment in New Jersey for 2027?
In New Jersey, you sign up for 2027 coverage at Get Covered New Jersey, the state’s own Marketplace, not HealthCare.gov.
| Date | What happens |
|---|---|
| Nov. 1, 2026 | 2027 open enrollment starts |
| Dec. 31, 2026 | Last day to pick a plan that starts Jan. 1, 2027 |
| Jan. 31, 2027 | Open enrollment ends |
Plans picked in January start Feb. 1, 2027. Coverage Decider checked these dates against Get Covered New Jersey and CMS on Oct. 15, 2026. 2027 open enrollment dates lists every state’s deadlines.
Who qualifies for Medicaid in New Jersey?
New Jersey expanded Medicaid. Adults 19 to 64 qualify with income up to 138% of the federal poverty level: $22,025 a year for one person or $45,540 for a family of four, using the 2026 guidelines.
| Group | Income limit, share of the poverty line (KFF, January 2026) |
|---|---|
| Adults 19 to 64 | 138% |
| Children, through Medicaid or CHIP | 355% |
| Pregnancy | 205% |
- After a birth: New Jersey’s Medicaid covers 12 months of postpartum care.
- Every state’s limits: Medicaid income limits by state.
- In dollars for your household size: the 2027 federal poverty level chart.
Does New Jersey have Medicaid work requirements in 2027?
Yes. Starting Jan. 1, 2027, adults 19 to 64 covered through New Jersey’s Medicaid expansion must show 80 hours a month of work, school, job training or volunteering, or show they’re exempt, under the 2025 federal budget law (P.L. 119-21).
Medicaid work requirements in 2027 covers who’s exempt and how reporting works.
Does New Jersey help pay for coverage beyond the federal tax credit?
Yes. New Jersey Health Plan Savings lowers premiums on top of the federal tax credit for incomes up to 600% of the poverty line, through Get Covered New Jersey. That includes incomes from 400% to 600%, where there’s no federal credit in 2027. New Jersey hadn’t published 2027 amounts as of Oct. 15, 2026.
Is there a penalty for going without health insurance in New Jersey?
Yes. New Jersey’s shared responsibility payment for tax year 2025 was the greater of $695 per adult and $347.50 per child, up to $2,085, or 2.5% of income above the filing threshold, capped at the statewide average bronze premium, according to the New Jersey Treasury.
What will 2027 plans cost in New Jersey?
Compare 2027 plans and prices for New Jersey at Get Covered New Jersey. Above 400% of the poverty line there’s no federal tax credit in 2027: the 2027 subsidy cliff shows where it ends for your household size.
Where can you get free help enrolling in New Jersey?
Get Covered New Jersey, like every ACA Marketplace, funds free Navigators who help New Jersey residents apply. Find one through Get Covered New Jersey.