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Individual Health Insurance in UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey 2026
Compare U65 private, ACA, and off-exchange plans in UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey with a licensed agent. Free multi-carrier quotes in one call.
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Quick Answer: Individual health insurance in UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey costs $160 to $500/month on a U65 private plan and $240 to $730/month unsubsidized ACA. For healthy UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey residents above the $60,240 subsidy threshold, U65 private plans are typically 20 to 40 percent cheaper. Call 888-828-5064 for a free comparison.
📊 According to KFF Health Policy, UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey has a significant individually-insured population outside employer coverage. Pennsylvania health insurance | New York health insurance | self-employed health insurance
Individual Health Insurance Options in UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey
| Plan Type | Monthly Cost | Enrollment | Key Carriers |
|---|---|---|---|
| U65 Private Plan | $160 to $500 | Year-round, any day | GetCoveredNJ: Horizon BCBS NJ, Oscar Health, AmeriHealth New Jersey |
| ACA Marketplace | $0 to $650 with subsidy | Open enrollment or SEP | Newark, Jersey City, Paterson, Elizabeth, Edison, Woodbridge, Lakewood, Toms River, Hamilton, and Trenton |
| Medicaid | Free to low cost | Year-round | UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey Medicaid |
New Jersey has one of the highest costs of living in the country and a large concentration of pharmaceutical, finance, and technology workers, many of whom are independent contractors or self-employed professionals requiring individual health insurance.
Compare UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey Health Insurance Plans Now
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U65 Private Health Insurance Costs in UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey
| Age | U65 Private Monthly | ACA Unsubsidized Monthly | Annual Savings |
|---|---|---|---|
| 30 | $165 to $250 | $270 to $390 | Up to $1,500/yr |
| 40 | $220 to $360 | $320 to $470 | Up to $1,800/yr |
| 50 | $320 to $490 | $440 to $650 | Up to $1,920/yr |
| 60 | $430 to $640 | $630 to $940 | Up to $2,520/yr |
UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey Cities and Counties We Serve
HealthPlusLife serves all UnitedHealthcare, Aetna, Cigna, Horizon Blue Cross Blue Shield of New Jersey counties including New Jersey operates its own state-based ACA exchange at GetCoveredNJ.gov. New Jersey expanded Medicaid in 2013. and all surrounding communities.
Related State and Individual Plan Guides
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