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Affordable Health Insurance In Nj



Can someone recommend affordable health insurance?

I lost my job. COBRA is too expensive.

Are there any high deductible plans? I really only want coverage in the event of a serious illness.
I live in NJ.

NJ is a “guaranteed issue” state – health insurance there is very heavily regulated. Because they are required to insure anyone who asks, no matter how bad their health is, rates are just HIGH. The state regulates it so heavily, that the coverage plans are standardized.

Flat out, here are the rates, based on your age, for the basic and essential plans (limited benefits, not what you’re looking for): http://www.state.nj.us/dobi/division_insurance/ihcseh/ihcratepage_be.pdf

And for the standard plans: http://www.state.nj.us/dobi/division_insurance/ihcseh/ihcratepage_sp.pdf

Yes, there’s one Horizon BSBC plan with a $10,000 deductible for $567 a month, regardless of your age.

You probably need to talk to a local broker near you, who can explain exactly what kind of health insurance you can and can’t buy in NJ.

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