Health Insurance Open Enrollment 2025

Open Enrollment for private health insurance for 2025 was from November 1, 2024, until January 31, 2025. If you miss Open Enrollment, you will most likely not be able to get a private health insurance plan at any point during 2025 – even from an insurance broker.

During Closed Enrollment, you cannot purchase insurance or change your plan unless you qualify for a Special Enrollment Period (SEP). You qualify for a SEP if:

You become pregnant.
You get married.
You get divorced and lose coverage as a result.
You lose your previous health coverage (but not if you voluntarily terminate your coverage or are terminated for non-payment).
You move out of your coverage area (ex. You move from NY to NJ).
You achieve eligible immigration status.
You are enrolled in a Get Covered NJ plan and you have a change in your income that is significant enough to affect your financial assistance.
You give birth to a baby, and the baby is not eligible for Medicaid/CHIP.
Your income is below 200% FPL.

An SEP usually lasts for only 60 days from the qualifying event date. For a pregnancy, income change or death the SEP lasts 60 days from the date you report it.

You can enroll in Medicaid at any time.

To learn more

about subsidized private health insurance plans and Get Covered New Jersey, you can read our Get Covered NJ Brochure or watch our Health Insurance 101 Presentation

If you need help answering any questions, schedule an appointment through the LRRC automated scheduling system by calling 732-523-1789 or e-mail questions@lrrcenter.org.

PLEASE NOTE:

If you are currently active on NJ FamilyCare and believe you are no longer eligible, do not fill out the LRRC appointment sign-up form. You will be eligible for a Special Enrollment Period to enroll in private insurance coverage when you receive notice that you are being terminated. If you need private insurance for 2024, please contact the LRRC for guidance.