Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Jersey City, NJ

Our Recommended Top 10

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 Jersey City 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.

4534Reviewed

2724Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1374 East 28th Street, Brooklyn, NY 11210
WebsiteLicense: 1211947

Expertise.com Rating

Review Sources

Google
4.0 (2)

Why choose this provider?

TotalBen is an insurance company that specializes in providing employee benefits for small- and mid-sized businesses. Its team furnishes different types of protection plans, including individual and group health insurance that covers medical, vision, and dental insurance policies. In addition, the agents help companies provide employees with life and long-term care insurance along with travel insurance and pet coverage benefits. TotalBen has access to policies from different providers such as Aetna, HTH Worldwide, and Pet Assure.

  • Individual Plans
  • Group Plans
  • Life Insurance

41 Reeve Place, Brooklyn, NY 11218
WebsiteLicense: 1013127

Expertise.com Rating

Why choose this provider?

Jimco Associates is a firm that specializes in insurance services and employee benefits consultancy in Jersey City. The firm was founded by James Cosares after 25 years of working for Prudential Insurance specializing in life insurance products. Some of his products include Medicare, group health insurance, group disability insurance, group life insurance, and voluntary benefits plans. The firm also offers business owners coverage for property damages, as well as casualties in the workplace.

  • Individual Plans
  • Group Plans
  • Life Insurance

1983 Marcus Avenue, Lake Success, NY 11020
WebsiteLicense: 1259069

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Lake Success-based Ravi Balchand is a financial services professional representing New York Life. He offers insurance products to residents of Jersey City and its surrounding areas. Ravi provides assistance with disability income as well as individual and group health insurance products. His other products include life, long-term care, income annuity, and AARP life insurance. Additionally, he offers investments such as self-directed, tax-deferred, and Individual Retirement Account (IRA). Ravi has been a New York Life agent since 2009.

  • Life Insurance

28 Old Fulton Street, Brooklyn, NY 11201
WebsiteLicense: 655157

Why choose this provider?

Dorfman Organization is a family-owned insurance brokerage firm serving Jersey City. It offers assistance to business owners by providing employee benefit plans, which include health, life, and disability insurance, as well as long-term care, and pensions. Additionally, the insurance specialists address personal insurance needs with homeowners insurance, personal automobile liability, umbrella insurance, and personal articles floater. Commercial insurance products, on the other hand, include general and cyber liability. Dorfman Organization has been operating since 1921

  • Life Insurance

109 Lafayette Street, New York, NY 10013
WebsiteLicense: 1002802

Expertise.com Rating

Why choose this provider?

J&S Coverage Inc. is an independent insurance brokerage near Jersey City that offers tailored insurance solutions and services to clients in the metro. The firm has been in the insurance industry for more than 20 years and specializes in both personal and business insurance lines. It offers health insurance products such as individual health plans, HMOs, PPOs, and POSs. It also offers commercial health lines such as group health plans as well as employee health benefits.

  • Life Insurance

P.O. Box 471, Jersey City, NJ 07303

Expertise.com Rating

Review Sources

Google
3.0 (54)

Why choose this provider?

Clover Health is a health insurance provider that serves Jersey City. It offers Part C and D Medicare advantage policies. These offer the advantages of original Medicare plans, such as doctor visits and hospital and drug coverage, but with added coverages for vision and dental. Vivek Garipalli started the company bringing his experience from CarePointHealth, another company he founded focused on serving uninsured and underinsured patients. He experienced the misalignment of insurance companies first-hand and decided that Clover Health can be part of the solution.

  • Individual Plans
  • Life Insurance

475 South Jefferson Street, City of Orange, NJ 07050
WebsiteLicense: 1226458

Expertise.com Rating

Why choose this provider?

New Jersey Medicare Brokers LLC is an independent agency serving Jersey City and the surrounding areas. It specializes in helping senior citizens navigate through more than 1000 Medicare plan combinations and finding one that suits their needs and circumstances. The firm offers Medicare Advantage and Medicare Part D Prescription Drug coverage to help clients get coverage that Part A and B do not cover. Additionally, the company's Medicare brokers take annual certification tests with the carriers they represent and the American Health Insurance Plans (AHIP).

  • Individual Plans

422 West Side Avenue, Jersey City, NJ 07305
WebsiteLicense: 1089270

Expertise.com Rating

Review Sources

Google
4.0 (30)
Facebook
5.0 (10)

Why choose this provider?

Tawanda Jackson addresses the insurance and financial needs of clients in Jersey City and the surrounding communities. She specializes in a wide range of products, such as health, life, home, auto, and business insurance, in addition to mutual funds and banking services. Tawanda has received numerous industry awards, including the Chairman Circle, Ambassador Club, and Honor Club Qualifier from State Farm. She works with a multicultural team, and together they educate and help clients manage risks through their insurance products.

  • Individual Plans
  • Life Insurance

3613 New York Avenue, Union City, NJ 07087
WebsiteLicense: 1576531

Expertise.com Rating

Review Sources

Google
4.0 (4)
Facebook
5.0 (3)

Why choose this provider?

SValencia Insurance Agency is an independent agency that serves clients in Jersey City. Agent Sandra Valencia has years of industry experience having worked for independent agencies and brokers before setting up a business of her own. She provides services for individuals, families, and businesses in need of life insurance, health insurance, car insurance, homeowners insurance, and commercial insurance. She works with each client and explains the complexities of different policies to help them find the best coverage for their needs.

  • Life Insurance

42 Broadway, New York, NY 10004

Expertise.com Rating

Review Sources

Google
4.9 (36)
Facebook
5.0 (15)

Why choose this provider?

TY Health Insurance Brokerage caters to clients in Jersey City. Its team of insurance brokers assists clients in finding the right solution and benefits for their medical needs. It offers dental, vision, payroll services, STD, DBL, and AD&D insurance products from Colonial Voluntary, Blue Cross Blue Shield, and AmeriHealth. It also sources products from Humana, Freedom Health, Coventry, and Optimum HealthCare, Inc. TY Health Insurance Brokerage was featured on Fox, ABC, CBS News, and iHeart Radio.

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
TotalBen
1374 East 28th Street, Brooklyn, NY 11210
Jimco Associates
41 Reeve Place, Brooklyn, NY 11218
Ravi Balchand
1983 Marcus Avenue, Lake Success, NY 11020
Dorfman Organization
28 Old Fulton Street, Brooklyn, NY 11201
J&SCoverage
109 Lafayette Street, New York, NY 10013
Clover Health
P.O. Box 471, Jersey City, NJ 07303
New Jersey Medicare Brokers LLC
475 South Jefferson Street, City of Orange, NJ 07050
Tawanda Jackson
422 West Side Avenue, Jersey City, NJ 07305
SValencia Insurance Agency
3613 New York Avenue, Union City, NJ 07087
TY Health Insurance Brokerage
42 Broadway, New York, NY 10004

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.

  • Is it a requirement to have health insurance in Jersey City?

    Jersey City residents are bound by New Jersey's State Individual Mandate, which necessitates having health insurance with minimum essential coverage year-round. This policy ensures uninterrupted access to healthcare services. Individuals who do not comply or qualify for an exemption are subject to a Shared Responsibility Payment when they file their Income Tax returns. This approach serves to promote healthcare coverage and financial responsibility among all Jersey City residents, ultimately contributing to the community's overall well-being.

  • Are there any exemptions so you can bypass the health insurance mandate in Jersey City?

    According to New Jersey's State Individual Mandate, taxpayers must have health insurance throughout the year. However, Jersey City residents may be eligible for exemptions. Some of the exemptions available include earning less than a certain level of income, having no affordable coverage options, experiencing a short gap in coverage, or enduring hardship.

  • Can young adults be dependents on their parents' health insurance coverage in Jersey City?

    Depending on the individual's age. As long as their child/children are 30 years old or younger, parents in Jersey City can add them as dependents on their health insurance plan. They must also be uninsured, single, and residents of the state or full-time students. Employers are not required to contribute to young adult health insurance coverage. Furthermore, even if they cover residents in New Jersey, this law does not apply to large companies' self-insured plans or plans issued and delivered outside of the state.

  • Can parents be considered dependents on a health insurance plan in Jersey City?

    In Jersey City, individuals can add elderly parents, stepparents, or parents-in-law to their health insurance plans by claiming them as dependents on their federal income tax returns. For those considering this option, consulting with a tax professional is recommended due to the stringent eligibility requirements outlined by the IRS. To qualify, the parents must be US citizens or residents, have a gross income of less than $4,300 annually, not be someone else's legal dependent, and have more than half of their financial needs covered by the taxpayer each year.

  • If you get a divorce in Jersey City, will you lose your health insurance through your ex-spouse's plan?

    Yes, non-spouses in Jersey City cannot be covered by an employer's health insurance plan. Even if you and your ex-spouse agree to remain civil or have a good relationship and wish to remain on the same health insurance plan, you cannot remain on your ex-spouse's policy if you are divorced. Ex-spouses are no longer considered family and therefore cannot be covered as such.

  • 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.