Your New Jersey Health Insurance Options

New Jersey is the most densely populated state in the US.  Along with being heavily populated near New York City and Philadelphia, several large cities within New Jersey itself help to make it as crowded as it is.  Regardless of the socioeconomic conditions, languages, and lifestyles, every person living within the state is required by law to have New Jersey health insurance.  With that in mind, let’s take a moment to review what your health insurance options from if you live in the state.

  1.  If You Have No Job and are 65 or Above

If you are over the age of 65, then you are eligible for Medicare.  Medicare is a government run insurance coverage designed specifically for individuals in retirement and later life.  It is not considered the best option, however it helps to provide every person over 65 with some coverage.  As some coverage is far better than none, it is recommended that you get Medicare if there is no other options available and you meet the criteria.

  1.  If You Have No Job, Earn Very Little, Or Are Below 65

Many people have jobs that do not earn them enough to be over the poverty line.  In addition, people who are currently in between jobs and without work require health insurance as well, even if they cannot afford it.  Medicaid exists for people under the age of 65 and is designed to provide a standard of care for everyone who would otherwise fall through the cracks.  Providing medical assistance to those who need it the most, Medicaid helps individuals not be burdened with additional debt if and when they are injured or otherwise require medical assistance.

  1.  If You Have A Job But No Insurance Option Is Provided

If you do not have an insurance option provided through your employment, then you have the state-federal partnership exchange set up through the Affordable Care Act.  Depending on your required level of coverage and income, you can select through various options on the exchange to find a plan that works for you.  This information can be accessed online or at special centers set up to help people like you get an insurance plan.

  1.  If You Have A Job That Provides Health Insurance

If your place of employment provides health insurance options, then you can select through what your company provides coverage for and choose a plan that suites your needs.