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2024

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Best Health Insurance Agencies in New Jersey

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored New Jersey Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

166548Reviewed

99931Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

New Jersey

Expertise.com Rating

Why choose this provider?

New Jersey Health Insurance Group is a Monroe Township-based independent agency that deals with clients throughout the state. It advises on Medicare matters and offers a supplemental program that helps them manage medical expenses. The agency has set up policies that provide coverage for heart attack treatments. It also offers long-term care insurance plans for clients seeking to manage nursing home-related costs. It provides other financial products like disability insurance. The agency has been operating for more than two decades.

  • Life Insurance
  • Group Plans
  • Individual Plans

New Jersey

Why choose this provider?

Protect Your Health is an insurance solutions provider serving individuals, groups, families, and employees in New Jersey. The company provides health coverage options such as Medicare plans, group voluntary benefits packages, and supplemental insurance. As an independent agency, it creates health insurance plans tailored to clients' budgets and needs and delivers support services like counseling, training, and education. Owner Barbara Hawes is a Certified Benefits Counselor who previously worked as deputy director of the Maryland Crisis Response System.

New Jersey

Expertise.com Rating

Why choose this provider?

Colonial Insurance Associates is a company that provides its services to the New Jersey area. The business has been in the business for over 10 years. It offers health insurance options such as Medicare plans to its clients which usually covers inpatient care, skilled nursing facility care, hospice care, home health care, medical necessities, and preventive services. It also handles a variety of insurance coverages for homes and automobiles. Fire insurance, flood insurance, and theft insurance options are also part of its service offerings.

New Jersey

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Medicare Insurance Specialist caters to individuals in New Jersey. It has health insurance products such as Medicare Supplements, Advantage Policies, and Part D Drug Plans. It works with various providers including MVP Health Care, Humana, Pan American Life, Nationwide, and Cigna. Its client base includes seniors, employers, and families. The company has been in the industry since 2007. Steven Zaidman, the firm's president, has over 14 years of experience as a health insurance specialist.

  • Medicare Supplement Insurance

New Jersey

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Osborn Insurance Agency is an independently owned and operated business serving individuals and families in New Jersey. Its team of professionals assists clients in making decisions regarding health insurance coverage for long-term care, disability, and Medicare Supplement options. To custom-tailor solutions for each client's needs, the searches for products from various carriers such as AmeriHealth, Progressive, Allstate, Aetna, Delta Dental, and Horizon. The company has been catering to the community's needs since 2000 and also offers annual insurance review services.

  • Individual Plans
  • Group Plans

New Jersey

Expertise.com Rating

Review Sources

Google
4.8 (175)
Facebook
4.8 (53)

Why choose this provider?

Nottingham Insurance is a fourth-generation, family-run independent agency that serves clients in and around New Jersey. It offers a variety of insurance products, including group health plans. Its professionals work with business owners or employers seeking to insure their workers from unexpected medical or hospital expenses. They write and prepare policies that may cover prescriptions, dental, vision, critical illnesses, and long-term care. Nottingham Insurance has been providing risk management solutions for more than a century.

  • Group Plans

New Jersey

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (10)

Why choose this provider?

Reliable Health Solutions, LLC, is an independent agency that serves the New Jersey populace. It provides health insurance solutions to protect individuals and families from financial difficulties in the event of illness. Its programs include health maintenance organization, preferred provider organization, private fee-for-service, and Medicare special needs plans. This company also offers life, final expense, dental, vision, and travel insurance options. President Phoebe Shagan is a registered nurse who uses a holistic approach to help clients fully understand the language of insurance and medicine.

  • Medicare Supplement Insurance
  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
New Jersey Health Insurance Group
10 Aquaduct Rd, New Jersey, NJ 08831
Protect Your Health
21 Maple Lane Unit D, New Jersey, NJ 08730
Colonial Insurance Associates
984 Route 166, Suite 4, New Jersey, NJ 08753
Medicare Insurance Specialist
1187 Coughlin street, New Jersey, NJ 08701
Osborn Insurance Agency
1868 NJ-88, New Jersey, NJ 08724
Nottingham Insurance
2277 NJ-33, New Jersey, NJ 08690
Reliable Health Solutions, LLC
19 North County Line Rd., New Jersey, NJ 08527

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.