The Open Enrollment period for 2026 health insurance coverage through Get Covered New Jersey officially begins November 1, 2025, and runs through January 31, 2026. This limited window is the only time of the year when New Jersey residents can enroll in a new health plan or make changes to an existing plan for the upcoming year. After January 31, enrollment is only possible if you experience a qualifying life event, such as marriage, the birth of a child, or loss of other coverage.
Get Covered New Jersey is the state’s central hub for affordable health insurance options, providing financial assistance to approximately eight in ten residents. Every plan available through GetCovered.NJ.gov includes essential services, including preventive care, emergency treatment, prescription medications, prenatal and pediatric care, and more. Importantly, no one can be denied coverage due to pre-existing conditions, ensuring that everyone has access to the care they need.
Changes at the federal level will affect how much New Jersey residents pay for health insurance in 2026. Premium costs can vary each year, and with the expiration of enhanced federal Premium Tax Credits that have helped reduce costs since 2021, many consumers may see higher monthly premiums next year. These tax credits previously made coverage more affordable for most enrollees, and their reduction highlights the importance of reviewing plan options carefully to avoid unexpected costs.
To find a plan that fits your budget and lifestyle, Get Covered New Jersey offers a Shop and Compare tool that allows users to estimate costs and compare 2026 plan options. Current enrollees should log in to their accounts to confirm that their information is accurate, update any household or income changes, and review potential financial assistance eligibility.
Preparing for Open Enrollment involves a few key steps. Update your application with any recent changes to your household, income, or tax information. Ensuring this information is accurate is critical to receiving the correct amount of financial help and avoiding surprises on your 2026 tax return. It is also recommended to review your current plan’s benefits and costs to determine if it continues to meet your healthcare needs for the year ahead.
For those who do not take action during the Open Enrollment window, Get Covered New Jersey will automatically update financial assistance and health plan details for most users. Consumers should watch for official notices detailing any changes to their coverage. While automatic updates are helpful, logging into your account and reviewing your options early can provide peace of mind and help you secure the most suitable plan.
If you need guidance, certified Assisters, Agents, and Brokers are available across New Jersey to provide free enrollment support. You can locate help in your area through the state’s online resources. For more detailed answers to common questions or step-by-step guidance, visit Get Covered New Jersey.
By taking action early and reviewing available options, New Jersey residents can ensure they have the right health coverage for 2026, protect their finances, and maintain access to critical healthcare services.
