Open enrollment has ended for 2014 but if you have experiencienced a "life event", such as job loss, you will still be allowed to enroll for 2014.
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:
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:
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.
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?
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.