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LowNewJerseyRates.com makes finding affordable health and medical insurance easy. Simply enter your zipcode in the form below and click the go button to get your free quotes. We make it simple to obtain multiple quotes from top New Jersey health insurance companies.

Health insurance can protect you and your family from major out-of-pocket medical expenses that can accumulate during an illness or hospital stay. Unfortunately, health insurance is expensive and getting worse every year. Many employers provide some basic medical insurance under a group policy availabe to company employees. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. It is important to choose a plan that best fits your budget, age, family needs and lifestyle.

There are generally two categories of medical insurance known commonly as indemnity or managed-care plans (HMO or PPO). The most significant differences between the two are evident in how you choose your provider, how out of pocket costs are handled and how your bills get paid. For example, under an indemnity policies you usually can choose any doctor or hospital that you wish when seeking services. Under a managed-care plan, you typically select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

Employer provided healthcare is generally the most affordable coverage you can get. If you have this option, get it. If you are eligible for your employer’s Consolidated Omnibus Budget Reconciliation Act (COBRA) plan, this is generally the second best option particularly if you have a pre-existing condition. If you are not eligible for COBRA or your COBRA option has expired, your old coverage did not expire due to non-payment and you have had 18 months of continuous group health coverage under an employer group health plan, then you are generally considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan. If you are not Federally Eligible than you can still get coverage, but insurers may impose a waiting period for coverage and coverage of pre-existing conditions.

New Jersey's Individual Health Coverage (IHC) Program allows people without access to employer or government sponsored health care programs to purchase health coverage for themselves and their families from several private carriers. To be eligible, an individual must be a resident of New Jersey; must not be eligible for coverage under a group health plan, governmental plan or church plan; and must not eligible for Medicare coverage. Family members can be covered under the plan if they meet certain dependency eligibility requirements. Individual plans provided by carriers are typical indemnity plans or as a managed care plans. Carriers can also provide a Basic and Essential Plan that provides more limited coverage usually at a lower cost.

In addition to the IHC program, New Jersey provides a federal and state funded health insurance program called NJ FamilyCare. This program helps uninsured children and eligible low-income parents and guardians obtain affordable health coverage. NJ FamilyCare is for families who cannot afford to pay the high cost of private health insurance do not have employer insurance available to them.

Our customers come from Newark, Jersey City, Paterson, Elizabeth, Edison, Atlantic City, NJ and other great cities in The Garden State to find low cost health insurance from top rated insurance companies. New Jersey health insurance premiums vary significantly amongst carriers and plans. To help keep your premiums down, you need to compare multiple quotes at least annually. We make that process simple.