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Rates for IHC Plans Effective in 2018
PLEASE NOTE: All rates shown are monthly rates. Each carrier listed has filed its rates with the Department of Banking and Insurance and each carrier has also certified that its rates conform with applicable laws and regulations.
You can purchase the newly-designed 2018 Standard IHC Plans starting November 1, 2017 for an effective date in 2018.
All Standard Plans provide comprehensive coverage, including:
Office visits
Hospital care, including emergency services
Prenatal, maternity and newborn care
Immunizations and well-child care
Screenings, including mammograms, pap smears and prostate examinations
X-ray and laboratory services
Mental illness and substance abuse services
Various therapy services
Prescription drugs
Pediatric vision services
Use our 2018 calculator to
Use our 2018 chart to
Find Your Monthly Rate for Plans Effective in 2018 Find Your Monthly Rate for Plans Effective in 2018
See Monthly Rates (PDF) for All Plans Available at Selected Ages See Monthly Rates (PDF) for All Plans Available at Selected Ages
For more information, see the IHC Buyer's Guide - 2018 Edition
More Information
NJ Individual Health Coverage Program Carriers

Contact the carriers directly to request an application

Carrier Name/Mailing and Web Addresses Telephone
AmeriHealth HMO Inc. and AmeriHealth Ins. Co. 1-877-744-5422
259 Prospect Plains Road, Bldg. M, Cranbury NJ 08512
CIGNA HealthCare of NJ 1-800-753-5190
900 Cottage Grove Road, Hartford CT 06152
Horizon Blue Cross Blue Shield of NJ and Horizon HealthCare of NJ 1-800-224-1234
Three Penn Plaza East - PP09T, Newark NJ 07105-2200
Oscar Insurance Corporation (NJ) 1-844-672-2766
295 Lafayette St, New York NY 10012
Oxford Health Insurance (NJ) Inc. 1-800-273-8115
7440 Woodland Drive, Indianapolis, IN 46278
Special Coverage Option for Young Adults Under 31 Years Old

Don’t forget! Most young adults may remain on a parent's policy until age 26 as a dependent under Federal law. In addition, New Jersey law (P.L. 2005, c. 375, sometimes called “Chapter 375” or “DU31”) permits many young adults not otherwise qualifying as a dependent under a parent’s employer’s group health benefits plan to be covered as an “over-age” dependent until his or her 31st birthday, if certain eligibility standards are met.  It makes sense to compare all of your options.

More information about coverage options for young adults, and DU31 Continuation in particular is available, or call the Department of Banking and Insurance at 609-292-7272.

If your parent is covered through the State Health Benefits Plan, refer to the Department of Treasury’s Pension & Benefits web pages.

New Jersey Federally Qualified Health Centers
  Find a Federally Qualified Health Center in your County
Individual Dental Coverage

Dental insurance is available from several carriers.  The carriers listed below have been approved to offer dental coverage to individuals in New Jersey.  Be aware that even though a carrier is approved to offer dental plans, the carrier may not actually be offering dental plans at this time. Contact the carriers for information regarding their available dental plans.*


Carrier For More Information
American Family Life Assurance Company of Columbus (AFLAC) 1-800-992-3522 Web site
American Progressive Life & Health Insurance 1-877-504-3918  
Ameritas Life Insurance 1-800-776-9446 or
Web site
Cigna Health & Life Insurance 1-855-854-1483 Web site
Corvesta Life Insurance Company    
Delta Dental** 1-800-452-9310 or 
Web site
Dentegra Insurance 1-800-471-0284 or
Web site
Family Life Insurance Company 1-800-669-9030  
Fidelity Security Life Insurance Company 1-800-648-8624  
Golden Rule Insurance/UnitedHealthOne 1-800-444-8990 Web site
HealthPlex/International Healthcare Services, Inc. 1-800-468-0608 Web site
Horizon Healthcare Services 1-888-765-7786 Web site
Madison National Life Insurance Company 1-800-356-9601  
Pennsylvania Life Insurance Company    
Renaissance Life & Health Insurance Company 1-888-791-5995 Web site
Security Life Insurance Company 1-855-728-7542 Web site
Time Insurance Company/Assurant 1-800-394-4296 Web site
United Concordia Life and Health Insurance Company 1-800-345-3837 Web site

You can also find information on certified stand-alone pediatric dental plans by downloading the Plan Attributes Public Use Files (Plan Attributes PUF) for the appropriate year (accessible here). Using filters, you can narrow the information.  In the column labeled “State,” select only NJ; in the column labeled “DentalOnlyPlan,” select yes; and, in the column labeled “QHPNonQHPTypeId,” you can select OnExchange, OffExchange, or Both, depending upon your interest.  In addition, to view only individual plans, in the column labeled “Market,” select Individual.
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New Jersey Department of Banking and Insurance