Christine spent years in the Pennsylvania and New Jersey area before moving to Florida, and she still works with New Jersey clients every week. New Jersey runs its own marketplace and has rules you won't find in most states, so the right plan here starts with knowing those rules.
Freelancers, consultants and contractors who buy their own coverage and want it to work as hard as they do.
Health insurance for 1099 prosCoverage that protects the people you love and fits your budget, with private PPO and Marketplace options compared side by side.
Who we helpGroup plans, ICHRA and QSEHRA options so you can offer real benefits your team values, on a budget you set.
Small business benefitsThe extra Marketplace subsidies from 2021–2025 expired at the end of 2025. For 2027 coverage, households earning more than 400% of the federal poverty level don't qualify for premium tax credits, which is exactly where many 1099 professionals and business owners land.
That's why Christine starts with private PPO and HSA-qualified options, then compares them side by side with Get Covered New Jersey plans, so you choose with confidence instead of guessing.
Private PPO vs. Marketplace, explainedYes. New Jersey has its own individual mandate, so residents without qualifying coverage can face a penalty on their state income tax return. Exemptions apply in some situations.
Possibly. New Jersey Health Plan Savings is a state program that helps Get Covered New Jersey enrollees with household incomes up to 600% of the federal poverty level. Above that, a private PPO or HSA-qualified plan may be the stronger fit. Christine will compare both for you.
Open enrollment for 2027 coverage runs November 1, 2026 through January 31, 2027 on Get Covered New Jersey. Outside that window you'll generally need a qualifying life event.
Plan availability, benefits and eligibility vary by state and carrier. Tax information is general; check with your tax professional. Christine Kieffer, licensed health insurance agent, NPN 19652136.