Private PPO, off-exchange & Get Covered New Jersey plans for you, your spouse and your kids — compared side by side for 2027
▶Watch: Private PPO vs. ACA Marketplace — which is right for your family (50 sec)
Is your family overpaying for health insurance in New Jersey? If your household earns more than $132,000 (family of four), you get no federal premium help for 2027. New Jersey's own subsidy keeps going a little further, but above about $198,000 for a family of four, every dollar is yours — and rates are rising a weighted average of 19.8% for 2027, priced person by person. That's where families overpay the most, and where comparing every route — including employer-level group PPO coverage and NJ FamilyCare for the kids — pays off.
New Jersey families face two lines: federal premium tax credits stop at 400% of the federal poverty level, and the state's NJ Health Plan Savings stops at 600%. Find your household size:
| Household size | No federal help above | No state help above |
|---|---|---|
| 2 (you + spouse, or parent + 1 child) | $86,560 | $129,840 |
| 3 | $109,280 | $163,920 |
| 4 | $132,000 | $198,000 |
| 5 | $154,720 | $232,080 |
| 6 | $177,440 | $266,160 |
Thresholds use the 2026 federal poverty guidelines, which apply to 2027 coverage. Income means your household's projected 2027 modified adjusted gross income (MAGI).
New Jersey premiums are charged per person — each adult by age, plus each child under 21 (up to the three oldest). A family of four pays four premiums stacked together.
NJ FamilyCare covers children under 19 in families earning up to 355% of the poverty level — about $117,150 for a family of four — even when the parents' income is too high for adult coverage.
New Jersey has its own individual mandate. Every family member without qualifying coverage or an exemption can trigger a Shared Responsibility Payment on your state tax return.
Usually the best value if your family qualifies for federal and state subsidies — and the place to apply for NJ FamilyCare for the kids.
The same carriers and protections, bought directly from Horizon, AmeriHealth, Ambetter, Oscar, or UnitedHealthcare. Many lower-cost plans are HMOs or EPOs, so check your pediatrician first.
True group coverage for the self-employed, contractors and small-business owners that covers your spouse and children — on the Aetna and First Health networks, plus MagnaCare in New Jersey. Pre-existing conditions covered and year-round enrollment. Subject to eligibility. See the plans →
Before you enroll, we confirm your pediatrician, specialists and nearest children's hospital are in-network:
Joseph M. Sanzari Children's Hospital at Hackensack, Goryeb Children's Hospital in Morristown, and Children's Hospital of New Jersey at Newark Beth Israel.
Bristol-Myers Squibb Children's Hospital at Robert Wood Johnson in New Brunswick and K. Hovnanian Children's Hospital at Jersey Shore University Medical Center.
Children's Regional Hospital at Cooper in Camden, plus Philadelphia-area pediatric systems such as CHOP and Nemours — whose access depends on the plan you choose.
Shopping for yourself or your spouse only? See our guide to private health insurance in New Jersey.
Ages of you, your spouse and each child, your ZIP code, and your estimated 2027 household income.
Your pediatrician, family doctor, specialists and preferred hospital — checked against every network we quote.
Get Covered New Jersey plans, NJ FamilyCare for the kids, off-exchange ACA plans, and employer-level group PPO options — total family cost, deductibles and networks on one page. One call, one comparison, no cost to you.
It depends on each family member's age and your county. Each adult is priced by age and each child under 21 is charged a premium (up to the three oldest). New Jersey's individual-market rates are rising a weighted average of 19.8% for 2027. We quote your exact family at your ZIP code across every carrier and route.
Federal premium tax credits stop at 400% of the poverty level: $86,560 for two, $109,280 for three, $132,000 for four, $154,720 for five, and $177,440 for six. New Jersey's state subsidy continues up to 600% of the poverty level ($198,000 for a family of four) but is a modest monthly amount.
Often, yes. NJ FamilyCare covers children under 19 in households earning up to 355% of the poverty level — about $117,150 for a family of four — so many families put the kids on NJ FamilyCare and the parents on a separate plan.
Some carriers offer broader networks, but many lower-cost family plans are HMOs or EPOs. Employer-level (ERISA) group PPO coverage is another route that covers your spouse and children on national networks for those who qualify.
Every ACA-compliant plan covers pre-existing conditions with no medical questions, and employer-level (ERISA) group plans cover pre-existing conditions as well, just as with any employer coverage.
Get Covered New Jersey open enrollment runs November 1, 2026 through January 31, 2027 — enroll by December 31 for coverage starting January 1. NJ FamilyCare enrolls year-round, a new baby, adoption, marriage or loss of coverage opens a 60-day special enrollment window, and employer-level group plans enroll year-round for those who qualify.
No. Premiums are identical with or without an agent — carriers pay us, not you. The family comparison and enrollment help are free.
Get Your Family's 2027 New Jersey Health Quote
Free side-by-side comparison from a licensed advisor — Get Covered New Jersey, NJ FamilyCare, off-exchange and employer-level PPO options for your whole household.
Get My Family's Options Call (800) 939-3330
Prefer to talk first? Book a 15-minute family plan review.
Subsidy thresholds use the 2026 HHS poverty guidelines, which apply to 2027 coverage. The 2027 rate figure is the weighted average published by the New Jersey Department of Banking and Insurance. NJ FamilyCare limits per the NJ Division of Medical Assistance and Health Services. Employer-level group plan availability subject to eligibility requirements. Premiums vary by age, county, and household size.
