Medical Bills & Health Insurance Help in New Jersey
Whether you are staring at a hospital bill, an EOB you cannot read, or a denial letter, this page collects what is specific to New Jersey — Get Covered NJ, New Jersey's own marketplace, NJ FamilyCare, and the state rules that shape charity care and appeals — alongside our free tools.
Coverage and enrollment in New Jersey
Get Covered NJ
New Jersey runs its own ACA marketplace instead of HealthCare.gov. Premium tax credits and cost-sharing reductions are available to residents who qualify.
Open enrollment: Nov 1, 2025 – Jan 31, 2026
Visit Get Covered NJNew Jersey Hospital Care Payment Assistance (Charity Care)
Free care is commonly available up to about 200% of the federal poverty level, with sliding-scale discounts up to roughly 300%. Denial appeals are often due within 30 days.
Citation you can quote in a letter: N.J.A.C. 10:52-11
Free help and complaint channels in New Jersey
Tools you can use on a New Jersey bill
Not sure where to start?
Answer three short questions and we will point you to the right step for your situation in New Jersey.