Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Trenton

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 Trenton 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.

1587Reviewed

955Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1000 Herrontown Road, Princeton, NJ 08540
WebsiteLicense: 8832507

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

Howe Insurance Group is an insurance business that has been in the industry for the last 125 years. Founder Walter Butler started the business to deliver insurance advice and products. The business has grown into a large agency in 1885, serving the insurance needs of families, businesses, and individuals in Trenton, Princeton, and nearby areas. Its team specializes in health insurance. In addition, they also provide term and permanent life insurance plans that cater to the short and long-term goals of clients.

  • Life Insurance

495 Main Street, Metuchen, NJ 08840
WebsiteLicense: 8205837

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Chibbaro Brothers is an insurance group that has been in the industry for over 70 years. As part of the Schenck Agency, it provides health insurance to individuals in the Trenton area. In addition, it handles workers' compensation programs to ensure the safety of company employees. The firm also offers personal insurance services for automobiles and homeowners. Chibbaro Brothers works with a variety of companies to be able to give clients multiple flexible and convenient options.

  • Individual Plans
  • Life Insurance

403 US Highway 202 South, Flemington, NJ 08822
WebsiteLicense: 8929393

Expertise.com Rating

Why choose this provider?

Headquartered in Flemington, The Parker Insurance Agency, Inc., is an independent insurance agency that serves clients in and around the Trenton area. Representing multiple insurance carriers in the market, the agency offers a wide array of personal and business insurance products, including health and life insurance plans. Its team assists clients in evaluating their health insurance needs and selecting the right type of policy and coverage for them. In addition, the company also provides homeowners insurance plans and auto insurance.

  • Individual Plans
  • Life Insurance

509 Spring Valley Drive, Bridgewater Township, NJ 08807
WebsiteLicense: 1044041

Why choose this provider?

Somerset Life & Health Insurance Agency, Inc., is an independent company serving Trenton and surrounding communities. It offers group health and employee benefits to business owners which include cafeteria plans, health savings accounts, group disability, and voluntary benefits. Its team of insurance specialists also handles individual and group life insurance plans as well as executive benefits. The agency represents different carriers such as Aetna, North American Life, and WellChoice. Its founder, Jim Higgins, has more than 25 years of industry experience.

  • Group Plans
  • Life Insurance

54 Jerseyville Avenue, Freehold, NJ 07728
WebsiteLicense: 1642311

Expertise.com Rating

Review Sources

Google
4.9 (24)
Facebook
5.0 (15)

Why choose this provider?

Medi-Solutions Insurance Agency, LLC, is an independent insurance agency that provides various insurance products for individuals and businesses in Trenton, Freehold, and nearby locations. Its team of insurance agents is knowledgeable on the different types of health insurance plans, helping clients understand the product features and benefits. They offer a fee-for-service health care policy that can include basic and medical coverage. Other health insurance plans are HMOs, PPOs, and POS plan. Moreover, Medi-Solutions Insurance Agency has life and Medicare insurance policies.

  • Individual Plans
  • Life Insurance

1 Executive Drive, Franklin Township, NJ 08873
WebsiteLicense: 8200869

Expertise.com Rating

Why choose this provider?

Serving clients in Trenton and the tri-state area, RBC Associates is an independent insurance agency specializing in life insurance. Its ISU affiliation allows them to write insurance for all 50 states. Clients are assigned a team composed of insurance agents who customize insurance policies to fit their financial capabilities and needs. They also offer auto insurance, homeowners insurance, and group life insurance. In addition, they carry business insurance coverage options.

  • Individual Plans
  • Life Insurance

Doylestown, PA

Expertise.com Rating

Review Sources

Google
5.0 (87)

Why choose this provider?

My Medicare Quotes is a health insurance agency that covers clients in Trenton and its nearby communities. It offers multiple health plans that include in-patient care, blood pint supply, co-insurance, and co-payment. The company's professionals explain each plan's benefits to fit their client's needs, from foreign travel emergencies to deductible services. Furthermore, most of its plans include drug prescription coverage. Active for over 30 years, My Medicare Quotes can add coverage for vision, hearing, dental, or wellness programs in its plans.

  • Health Insurance

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.

  • Are immigrants in Trenton allowed to purchase health insurance plans from the GetCoveredNJ Marketplace?

    Yes, as long as they are New Jersey residents, most immigrants, including those with temporary protected status and non-immigrant visas, can get a health plan through the GetCoveredNJ Marketplace. Except for holders of B1/B2, student, and F1 visas, qualified immigrants in Trenton can receive financial assistance to reduce their insurance costs. Undocumented immigrants and DACA recipients will be unable to obtain coverage through the marketplace. However, they can buy health plans from insurance agencies or the insurer.

  • Is there a low-cost alternative for Trenton residents who can’t afford private or marketplace health insurance?

    Yes, the NJ FamilyCare program provides low-cost and free coverage in Trenton for adults aged 19 to 64, pregnant immigrants lawfully present in the country, adult immigrants with more than five years of permanent residency, and children under the age of 19 regardless of immigration status. You must meet the income limit to qualify. A single adult's income, for example, must be only 138% of the Federal Poverty Level, while a family of four with children must be only 355%.

  • How much does health insurance cost in Trenton?

    The average monthly cost of health insurance in New Jersey for a 40-year-old adult in 2022 is $379. According to a Kaiser Family Foundation analysis, the average monthly premium for 2023 is $424 per individual. In addition to federal financial assistance through the GetCoveredNJ Marketplace, Trenton families can benefit from state subsidies through the New Jersey Health Plan Savings to lower their insurance costs.

  • Do you have to carry health insurance if you live in Trenton?

    Everyone in Trenton and throughout the state must have health insurance. The New Jersey Health Insurance Market Preservation Act requires you to have insurance coverage for the entire year or make a Shared Responsibility Payment (SRP) with your state income tax return. If you have income restrictions that make insurance unaffordable, have a gap in coverage of less than three months, are a member of an exempted group, or are incarcerated, you may be eligible for an exemption.

  • When will your coverage start if you bought your new health plan during the Open Enrollment Period (OEP) in Trenton?

    It is determined by your enrollment date. Trenton's OEP runs from November 1 of this year to January 31 of the following year. If you enroll before December 31, your coverage will begin on January 1 of the following year. Meanwhile, if you enrolled between January 1 and January 31, your coverage will begin on February 1.

  • 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.