If you don’t have health coverage during 2015, you may have to pay a penalty, which is higher than it was in 2014 — 2% of your income or $325 per adult/$162.50 per child, whichever is more. You'll pay the penalty on your 2016 income taxes.
You can apply for health coverage in the Marketplace 4 ways:
https://www.healthcare.gov/apply-and-enroll/how-to-apply. If you apply online, you must have a valid email address.
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.
Recent Changes to the Healthcare.gov website:
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.
The following locations have certified application counselors.
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?
The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015. December 15, 2014 is the last date to enroll for coverage that starts January 1, 2015.
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
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? Assistors will be available to help in filling out applications. 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.