Finding the Right Health Coverage For You

The interactive tool below shows the main types of health coverage available today. Answer these questions and it will highlight the options that might be best for you.

Your Family's Options

 Private Group Coverage
 Private Individual Coverage
 Public Coverage

Note: Your options are highlighted based on your answers to these questions. Depending on the details of your personal situation, you may not qualify for all of the options shown. Keep reading to learn more about your options.

Private coverage through your job, your spouse's job, or your parent's job. The employer pays part or all of the monthly premium.

Private coverage you buy from an insurance company or through GetCoveredNJ.

Private coverage through GetCoveredNJ, which the government may help you pay for.

Public coverage with a small premium, for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage for people with low income.

Your income is abovebelow the limit: x for a household of y.

Free public coverage, for people with disabilities with low income and low assets.

Public coverage for people 65 and over, or on Social Security Disability Insurance (SSDI) or Childhood Disability Benefits (CDB).

Two public coverage options for people with disabilities:

  • Disability-based Medicaid is for people with low income and low assets
  • Medicaid's NJ WorkAbility program is for people who work and have higher income or higher assets

Use the to figure out which is best for you.

Free public coverage for low-income children and pregnant women.

Your income is abovebelow the limit: x for a household of y.

Public coverage with a premium, for employed people with disabilities with low to moderate income.

Two public coverage options for people with disabilities:

  • Disability-based Medicaid is for people who have low income; people who get SSI qualify automatically
  • Medicaid's NJ WorkAbility program is for people who work and have higher income

Read the How Health Benefits Work article to figure out which is best for you.

Public coverage for low-income children.

Your income is abovebelow the limit: x for a household of y.

Free public coverage for people who get Supplemental Security Income (SSI) benefits. Some people with disabilities with low income and low resources who don't get SSI may qualify.

Private coverage you buy from an insurance company or through GetCoveredNJ.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job. Many employers choose to offer it as a benefit for employees who meet certain requirements, such as working a minimum number of hours each week. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on GetCoveredNJ.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. Depending on your household income and situation, you may qualify to get government help paying for your insurance, if you sign up using GetCoveredNJ.

MinnesotaCare is a public program that provides coverage for people with income that is too high to qualify for Medicaid, but too low to afford private insurance through GetCoveredNJ. On MinnesotaCare, you have to pay a small premium for your coverage. You may qualify for MinnesotaCare if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for Medicaid.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; income-based Medicaid is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify for Medicare, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Medicaid and Medicaid's NJ WorkAbility program are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for Medicaid's NJ WorkAbility program, it will also tell you what your monthly premium would be. To learn more, use the .

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; children may qualify for free coverage if their household income is 200% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). They can pay a monthly premium for coverage if household income is between 200% of FPG and 355% of FPG (x for a household of y). Income-based Medicaid for children is also called NJ FamilyCare.

Medicaid is a public health coverage program for people with low income. Medicaid's NJ WorkAbility program is a way working people with disabilities can have Medicaid coverage, even if they earn more than the regular Medicaid income limits. To qualify, your disability must meet standards set by the Social Security Administration. You may have to pay a monthly premium for coverage, depending on your income.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; for disability-based Medicaid, you must have low resources and also either have a disability that meets standards set by the Social Security Administration or be 65 or older. If you get Supplemental Security Income (SSI) benefits, you automatically qualify for disability-based Medicaid. There’s no monthly premium for coverage.

Individual coverage is private health insurance you buy on your own. You can get an individual plan for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because you have a health condition. You can get your individual coverage directly from an insurance company, through an insurance broker, or on GetCoveredNJ.

Employer-sponsored coverage is private health insurance you get through your job or a family member’s job, if the employer offers it. Employees who get this benefit often have to pay part of the monthly premium to get coverage for themselves and their family members.

Individual coverage is private health insurance you buy on your own for yourself or for your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. You can get individual coverage directly from an insurance company, through a broker, or on GetCoveredNJ.

Individual coverage is private health insurance you buy on your own for yourself or your entire family. Insurance companies cannot reject your application or charge you more because of a health condition. Depending on your income and situation, you may qualify for help paying for coverage on GetCoveredNJ.

MinnesotaCare is a public health coverage program for people whose income is too high for Medicaid, but too low to afford private insurance. With MinnesotaCare, you pay a small monthly premium. You may qualify if your family’s income is at or below 200% of FPG (x for a household of y) and you don't qualify for Medicaid.

Medicaid is a public health coverage program for people with low income. There are different ways of qualifying; income-based Medicaid is for people with household income that's 138% of the Federal Poverty Guidelines (FPG) or less (x for a household of y). There's no monthly premium for coverage.

Medicare is a public health coverage program for seniors (65 years old or older) and people with disabilities. To qualify, you or a family member must have worked and paid Medicare taxes for a certain number of years. Medicare has a monthly premium and other expenses, but if you have limited income, some programs may help you pay these expenses.

Medicaid and Medicaid's NJ WorkAbility program are two ways for people with disabilities to get public health coverage. The asks for detailed information about your situation to see which is best for you. If you might qualify for Medicaid's NJ WorkAbility program, it will also tell you what your monthly premium would be.