Insurance Enrollment

Insurance Enrollment Banner
SJFMC will assist you in applying for and enrolling in medical insurance. There are two ways a patient can apply for insurance.
NJ FamilyCare
What is NJ FamilyCare?

NJ FamilyCare is a federal-and state-funded health insurance program created to help qualified New Jersey residents of any age get access to affordable health insurance. NJ FamilyCare is for people who do not have employer insurance.

Who is Eligible?

If you are interested in enrolling in NJ FamilyCare please look at the Who Is Eligible? section to see if you qualify. To view income eligibility limits for various family sizes, go to Income Eligibility and Cost.

How Can I Apply?

The entire application process can be completed at any SJFMC health center with the help of a certified application counselor or a financial counselor. You can also complete the application at

Health Insurance Marketplace
What is the Health Insurance Marketplace?

Open Enrollment is the only time during the year when you can enroll in coverage, unless you have a major life event that qualifies you for a Special Enrollment Period or you qualify for NJ FamilyCare.

Right now you may apply for marketplace coverage through the Special Enrollment Period.  Eligibility includes the following: If you Lost Job Based Coverage, COBRA Insurance will expire or is too expensive, Moved outside your plan coverage area, Turning 26 and Losing Parents Health Coverage, Lost Health Insurance Coverage Due to Divorce, Lost Eligibility for State Medicaid or CHIP and More!

Low-cost plans are available so you can find a plan that meets your needs and budget. You may qualify for financial help to lower the cost of your plan.

Who is Eligible?

More people than ever will qualify for financial help.

If you did not qualify for financial help before because your income was too high, you may qualify under the state and federal changes. If you already receive financial help, you will likely be eligible for additional premium reductions. These new changes make coverage more affordable at many income levels. Previously, financial help was not available for households making more than $51,040 for an individual or $104,800 for a family of four. The new federal law ensures that no family spends more than 8.5% of their income on health insurance premiums - at any income.

During the COVID-19 pandemic, the State of New Jersey has remained focused on improving residents’ access to quality, affordable health insurance. The financial help available through this relief bill and the State of New Jersey builds on the state’s efforts to provide access to health coverage for more New Jerseyans.

There is also financial help for those who are  unemployed.

Households receiving unemployment compensation in 2021 may be eligible for nearly free coverage for the rest of the year through GetCoveredNJ. Find more information here.

How Can I Apply?

Meet with a trained SJFMC Health Insurance Navigator and receive free help to find a health insurance plan that is right for you and your family. To make an appointment to get covered, call us at 800-486-0131 or visit

For more information read these frequently asked questions.

Fill out this form to request assistance with health insurance enrollment.

Fill out this form to request assistance with health insurance enrollment.