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.
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.
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 https://njfc.force.com/.
Open Enrollment happens once a year, from November 1 to January 31. It is typically the only time you can enroll in coverage unless you have a qualifying life event.
Certain life-changing events such as getting married, moving to a new coverage area, or losing job-based health coverage qualify you for a Special Enrollment Period (SEP). Some life events, such as pregnancy, having a baby, or adoption qualify you for an SEP and allow you to enroll in coverage with an earlier effective date. Certain life-changing events also allow consumers to make changes to their current coverage. For more information on what qualifies as a life-changing event read this page.
A Special Enrollment Period is also available for consumers based on yearly household income. Consumers with an annual income up to 200% of the Federal Poverty Level ($27,180 for an individual or $55,500 for a family of four in 2023) can now qualify for a Special Enrollment Period and can access nearly free health plans throughout the year.
If you qualify for an SEP, you usually have up to 60 days after the event to enroll or change your plan.
(Note: You can enroll in NJ FamilyCare, the state’s publicly funded health insurance program with free or low-cost health coverage, any time of year.)
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 www.getcovered.nj.gov.