Enroll in the Health Insurance Marketplace
Open enrollment ends March 31, 2014.; enroll by March 31, 2014 to avoid penalty.
Please note that the Obama administration announced March 26 2014 that it would allow more time for *some *people who had tried to apply but were blocked by technical problems. It will be decided on a *case-by-case basis.* That means individuals can go to the website and start the application process. They will be guided from there.
Most people must have health coverage in 2014 or pay a penalty. If you don’t have coverage, you’ll pay a penalty of either 1% of your income, or $95 per adult ($47.50 per child), whichever is higher. You'll pay the penalty on your 2015 income taxes.
You can apply for health coverage in the Marketplace 4 ways:
- Online at healthcare.gov
- Paper application; for Family, please see http://tinyurl.com/mdykzxq; New Individual Short Form
- By phone
- In person with an assister
HealthCare.gov New Jesey did not create a state specific insurance marketplace, so NJ residents will use this federal site to select and enroll in a health insurance plan. Please note that since 36 states are sending their residents to this federal marketplace, there may be delays depending on the amount of traffic to the site.
Help Center: HealthCare.gov To apply by phone, call 1-800-318-2596, 24 hours a day, 7 days a week (TTY: 1-855-889-4325). A customer service representative will work with you to complete the application and enrollment process. To get a paper application, download the application form and instructions; call the number above for help with the application.
Recent Changes to the Healthcare.gov website:
- A new "Hardship Exemtion" was created for individuals with true hardships (e. g. homlessness, being evicted or having shut-off of utilities) so that these people do not have to pay a penalty for not having health insurance. Please refer to https://www.healthcare.gov/exemptions/
- A new ""window-shopping" feature that lets prospective customers see health plans and prices in their area, including previously unavailable details such as deductibles and cost-sharing, as well as provider networks.
- A new "Reset" button allows people who were previously stuck in the system to do away with their old application and start over. To do that, you log into your account, select the application in progress and hit "remove." ; then close and reopen your web browser, and log back in to start a new application.
- To help relieve problems during periods of high user volume, the website now offers a queuing system. Consumers can request email notifications of when is a good time to come back.
Marketplace Application Checklist
When you apply for coverage in the Health Insurance Marketplace, you’ll need to provide some information about yourself . Use the checklist below to help you gather information you need to apply. Open enrollment begins October 1, 2013 for coverage starting as early as January 1, 2014; ends March 31, 2014.
- Social Security Numbers (or document numbers for legal immigrants)
- Employer and income information for each member of your household needing coverage
- Policy numbers for any current health insurance plans covering members of your household
- A completed Employer Coverage Tool for every job-based plan you or someone in your household is eligible for.
Need Health Insurance Before 2014?
This Plan Finder is a government website that can help locate available health plans, but it is not the Health Insurance Marketplace. It's a site that identifies some plans that are available to you right now, before the Marketplace begins.
As you use the site, please note that many protections and features of the Marketplace are not yet in effect. They may not apply to coverage displayed on Plan Finder.
- You may be denied coverage, charged more, or have certain kinds of coverage excluded if you have a pre-existing condition.
- You may be turned down for coverage or charged more than the premium estimate that is shown here.
- You won't be able to get lower costs based on your income, as you might be able to when the Marketplace opens.
Before you buy, you may want to find out whether you can cancel your plan any time. If you want to consider switching to a Marketplace plan later, during Marketplace open enrollment, it's important to know when your non-Marketplace coverage can be stopped.
Health Insurance Marketplace open enrollment starts October 1, 2013, and coverage can begin as early as January 1, 2014.
Health Care Reform--NYT
Affordable Care Act Key Features
The Affordable Care Act was passed by Congress and signed into law by the President on March 23, 2010. On June 28, 2012, the Supreme Court rendered a final decision to uphold the health care law.
Health Insurance Marketplace
Find Local Help--Get Personal Help Applying for Health Coveragee
The following locations have certified application counselors.
- South Jersey Family Medical Centers, Address: 1301 Atlantic Ave, Atlantic City, NJ, 08401, Call 609-572-0000; Website: sjfmc.org
- Atlanticare (Healthplex) has application counselors, in Spanish also; Address;
Atlanticare (Healthplex) has application counselors, in Spanish also. Address: 1401 Atlantic Ave, Atlantic City, NJ, 08401: Call 888-569-1000
- Center for Family Services; Call 877-922-2377
Affordable Care Act FAQS
If you have questions, call 24/7 1-800-318-2596 or Chat Online at healthcare.gov/contact-us..
Please also see
What is the Affordable Healthcare Act?
The Patient Protection and Affordable Care Act, or commonly referred to as Obamacare was passed in March 2010, with the goal of increasing healthcare coverage to more Americans. Read the full text of the law.
When can I apply?
Can apply starting OCTOBER 1, 2013. Coverage will be effective JANUARY 1, 2014. Open enrollment ends March 31, 2014.
Who can apply?
You must live in the United States.
You must be a U.S. Citizen or National (or lawfully present) See more information about Immigration status
You cannot be currently incarcerated
How do I apply?
Starting October 1st you can apply online at healthcare.gov, or by calling 1-800-318-2596.
How do I create a username and password?
In October, you can create an online account.
Steps to create an online profile:
Go to healthcare.gov.
At the top of the page, click the “Get Insurance” tab.
Select your state to learn about enrollment and coverage.
What do I need to apply?
Social Security Numbers (or document numbers for legal immigrants)
Employer and income information for every member of your household who needs coverage. (Pay stubs, or W-2 forms)
Policy numbers for any current health insurance plans covering members of your household.
Completed Employer Coverage Tool for every job-based plan you or someone in your household is eligible for.
Where can I go if I have more questions?
Starting in October, local help will be available to assist in filling out applications and helping them through the process. Locate local help
For more information, call 1-800-318-2596 or visit www.healthcare.gov.
Where can I go to file a complaint about insurance in New Jersey?
You can visit the New Jersey Department of Banking and Insurance at: http://www.state.nj.us/dobi/consumer.htm#insurance or call the department at: 609-292-7272.