If you’re a resident of New Jersey looking for a reliable health insurance company to provide premium cover for your healthcare in case of illness or unforeseen circumstances, there are many tested and trusted companies you can deal with.

What an insurance company does is compensate for medical expenses an insured incurs on the occasion of sickness or accident. It reimburses the cost of expenses incurred to the medical facility in charge of taking care of the victim.

In the light of the above, we’ve researched cheap health insurance companies in New Jersey you can contract to take care of your medical expenses in the case of health emergencies you might experience at any point in time.

But before we get into this, let’s quickly look at why should you consider health insurance in the first place?

Importance of Health Insurance

You don’t want to perforate your pocket with the skyrocketed cost of medical expenses you have a medical emergency.

Life happens and so, you wouldn’t want the cost of healthcare provision to jeopardize your loved ones’ treatments in the case of health emergencies.

Paying an annual premium removes the hurdles you might have to face when you or your loved one is sick.

Your health insurance will cover payment toward your medical tests, ambulance charge, doctor consultation fees, hospitalization fees, and in many cases, post-hospitalization recovery fees.

Cheapest Health Insurance Companies in New Jersey

Below are the cheapest insurance companies in New Jersey:

AmeriHealth

If you’re looking for an affordable health insurance company n NJ to contract with, AmeriHealth is a great choice you should check out. This company offers both individual and group health insurance with HMO and PPO plans in place.

This company has over the years been solid in terms of providing premium healthcare insurance packages for people.

Consequently, AmeriHealth has received an A+ rating from the BBB, which makes it one of the most patronized health insurance providers in NJ.

Based on your budget, you can purchase different kinds of insurance plans from AmeriHealth and you sure have access to national and regional preferred provider networks –dependent on the purchased plan.

AmeriHealth does not only provide insurance coverage but also encourages healthy lifestyles through its numerous discounts on gym memberships, fitness wearables, and home fitness equipment via GlobalFit’s GymNetwork 360.

With the assistance of an independent insurance agent, you’ll get to know more about the special wellness programs by this health insurance company in NJ.

Ambetter

Ambetter is another option you should check out if you’re looking for reliable and affordable health insurance coverage to cater to your health fees in the case of sickness or emergencies.

This company provides you with the benefits, tools, and financial coverage you’d need to take care of your health when you run into an emergency situation.

Also, this health insurance company provides maternity and newborn care, hospitalizations, pediatric services, prescription drug coverage, and a host of others. If you’d also need to do COVID-19 tests, rest assured the company will also cover the fees involved.

You’ve also got 24-hour telehealth access to in-network providers for non-emergency health issues. Due to the presence of the viral pandemic, in-person contact is largely discouraged, so you can always opt for virtual care methods – which have become a necessity in the current time.

Becoming an Ambetter simply means you’re joining the league of an experienced healthcare insurance company. With the company’s over 2 million members across the world, you’re sure of getting the exact coverage you’d need in a time of an emergency.

Horizon Blue Cross Blue Shield

This is another health insurance company that is domiciled in New Jersey. Horizon Blue Cross Blue Shield provides health coverage to more than 3 million people living in New Jersey.

Being the only licensed Blue Cross and Blue Shield in the state, the company is known for its effectiveness in managing health insurance coverage for traditional indemnity plans for both individuals and employers.

Horizon Blue Cross Blue Shield of New Jersey offers a ton of health insurance coverage for medical, dental, and prescription insurance products and services.

The organization works hand in hand with the medical personnel and healthcare facilities to deliver patient-focused and innovative programs that reward the quality of healthcare the patients receive.

First Jersey Insurance Inc.

Located in Freehold, New Jersey, First Jersey Insurance Inc is an insurance that takes pride in its unique ways of assisting both prospects and their existing clients through proper education on a wide range of insurance products.

The ideal at this company is that people need a plan and a working policy. With a high caliber of professionals in-house, the company offers high-quality insurance, financial products, and services to the business marketplace.

First Jersey Insurance’s experts have extensive training and knowledge in the product offerings, which include how to use the products to drive maximum benefits and protections to its clients. The organization builds trust and a long-lasting relationship with customers via an outstanding commitment to serving them throughout the year.

Cosmo Insurance

Address: 211 Boulevard of the Americas Suite 407, Lakewood, NJ 08701, United States

Phone: +1 732-363-3888

Website: visit

Here’s another known insurance company in New Jersey. The organization offers a detailed range of insurance options for both individuals and businesses.

The company leverages its knowledge of insurance guidelines for healthcare, life insurance, employee benefits, self-insurance, dental, and long-term insurance plan to get the prospects and existing clients up to date with affordable coverage that cover their specific needs.

Cosmo insurance is known to go the extra mile to please its customers. They provide comprehensive, creative, and cost-effective solutions to people while establishing healthy and long-term relationships with their clients.

The company also has a very responsive customer care service clients can rely on when they have questions to ask regarding their needs.

Final thoughts

Insurance companies in New Jersey are responsible for providing medical costs for healthcare treatments received in case of emergencies. These organizations cover an array of ailments and diseases, which the insurers will cater for when the need arises.

There are many health insurance companies you can contract for your medical needs in times of distress in NJ.

Some of these organizations have been mentioned above and so, you can go ahead and choose one where you subscribe to a premium, which will take the financial burden off you in times of health emergencies.

Frequently Asked Questions about Health Insurance Companies in New Jersey

Below are some of the frequently asked questions about health insurance companies domiciled in NJ:

Do New Jersey companies have to offer health insurance?

There’s no law mandating employers or labor in New Jersey to offer group healthcare insurance to their employees, but most employers provide this benefit.

This means an employee is not in any position to demand his organization to provide him with health insurance coverage in case of illness or any medical emergencies.

Can I get free health insurance in New Jersey?

If you’re a qualified NJ resident, you may be able to get free- low health insurance through NJ’s publicly funded health insurance program. This also includes those who’re qualified for children’s health insurance programs or Medicaid.

Is New Jersey health insurance good?  

If you’re looking for one of the best insurance providers in the united states, then New Jersey has got you covered. It boasts of great ranking in the country, but only a few healthcare provider options for individual and family plans.