New Jersey Health Insurance Regulations

New Jersey has stringent health insurance regulations - but that doesn't mean you don't need to know them!

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New Jersey health insurance laws

New Jersey health insurance policies must include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 12 months.

Also, six state standardized policies are available to New Jersey residents.

New Jersey health insurance regulations

New Jersey health insurance is always available through Blue Cross Blue Shield. Other New Jersey health insurance companies can:

  • deny you health insurance on the basis of your health and age
  • not charge you higher premiums on the basis of your health
  • notcharge you increasingly higher premiums on the basis of your health and age.

New Jersey health insurance companies are prohibited from:

  • terminating an existing health insurance policy due to illness.

Other NJ health insurance info

If you want more help getting the best health insurance policy for you individual needs, read our guide to health insurance.

Or check out our guide to New Jersey small business health insurance.


For more on NJ health insurance, visit the New Jersey Department of Banking and Insurance.

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