There are a couple different forms of New Jersey health insurance that you can get if you cannot get insurance from your employer, or if you are a small employer. These programs not only can help you ensure you have insurance but are not limited to you because of your current health, age, past history, or any risks. The state of New Jersey wanted to ensure that everyone could have access to health insurance coverage, no matter where they worked or who they are. You can look into each of these health coverage at any time whether you are an individual or an employer looking to help his or her employees obtain the insurance they need.
Individual Insurance (IHC)
New Jersey’s Individual Health Coverage Program allows anyone who wants to purchase health insurance for themselves and their family to do so through the state. This means that if your employer doesn’t offer insurance or if you don’t qualify for government provided coverage, you always have the option to purchase your own regardless of age or current health. This coverage will provide you with the same ‘basic and essential’ plans that you would be offered through another carrier and you can choose to insure a one person, two adults, a full family, or, if you are a single parent, yourself and your children with ease. While many may feel as though the state won’t offer them the same kind of options that an employer’s insurance will, you will find that the state has both HMO, PPO, and EPO options available for you to choose from.
Small Employer Insurance (SEH)
Do you have your own business and wish to provide your employees with insurance to help them not only care for their families, but also ensure they are healthy as well? Then you will be happy to know that New Jersey has a Small Employer Health Benefits Program to help you not only provide insurance to your employees, but also allow you to renew your coverage yearly regardless of any changes. A few of the benefits that you and your employees will enjoy include the restrictions that are placed on the carrier of the insurance from inflicting requirements for participation, contributions, limits on health conditions, and more. Your employees will also be able to continue their coverage even when they aren’t eligible for the SEH health plan as well.