With an 86 out of 100 score, Aetna CVS Health offers the best health insurance in New Jersey, balancing affordability, customer service and coverage. If it's unavailable in your area, consider AmeriHealth, Horizon Blue Cross Blue Shield or UnitedHealthcare for excellent coverage options.
Best Health Insurance in New Jersey
Updated: July 2, 2025
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Key Takeaways
Overall, Aetna CVS Health offers the best and most balanced health insurance coverage in New Jersey.
WellCare provides the best cheap health insurance in New Jersey, with Silver-tier plans averaging $430 monthly, where available.
To find the best health insurance in New Jersey, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in New Jersey
| Aetna CVS Health | 86 | Silver 1 Advanced: Aetna CVS Health Whole Health network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care |
| Horizon Blue Cross Blue Shield of New Jersey | 79 | OMNIA Silver Saver HSA |
| AmeriHealth Ins Company of NJ | 78 | IHC Silver EPO HSA Local Value $50/$75 |
| UnitedHealthcare Insurance Company | 74 | UHC Silver-X Value |
| UnitedHealthcare Insurance Company | 74 | UHC Silver Value |
| WellCare Health Insurance Company of New Jersey, Inc. | 66 | Premium Silver + $0 Virtual 24/7 Care Visits |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in New Jersey by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
| Young Adults | Aetna CVS Health |
| Seniors | Aetna CVS Health |
| EPO | Aetna CVS Health |
Best New Jersey Health Insurance Reviews
So that you can learn about our recommendations, we've broken down our top picks overall, for affordability, and customer service reputation.
Aetna CVS Health: Best Overall
pros
Extensive network and integrated services
Comprehensive digital health tools
Best overall for most in New Jersey
cons
Limited provider network flexibility
COMPANY HIGHLIGHTS
The best overall company for health insurance, regardless of category in New Jersey is Aetna CVS Health. It offers a strong blend of competitive pricing, excellent customer service and coverage options. The company also stands out due to their unique integration with CVS Health's ecosystem, offering exclusive access to over 1,000 MinuteClinic locations nationwide, $0 virtual and walk-in clinic care and competitive rates with lower-than-average claim denial rates at just 21%.
WellCare: Best Cheap Overall
pros
Cheapest rates in New Jersey for most plan tiers
Specialized focus on government programs
Comprehensive supplemental benefits
cons
Limited provider network size
Inconsistent member experience
COMPANY HIGHLIGHTS
While WellCare isn't our top pick for best overall health insurance in New Jersey due to its limited provider network and inconsistent customer service, it does offer the cheapest rates in the state, with prices averaging $430 monthly where offered. WellCare is also specifically focused on government programs, making it a good choice for those seeking Medicare or Medicaid plans.
Horizon Blue Cross Blue Shield: Best Customer Reputation
pros
Comprehensive provider network
Highest customer reputation score in New Jersey
cons
No out-of-network coverage, unless there's a medical emergency
Higher premium costs
COMPANY HIGHLIGHTS
Horizon Blue Cross Blue Shield of New Jersey stands out for its exceptional customer service, having earned the #1 spot in J.D. Power's Member Satisfaction ranking for New Jersey commercial health plans for the third year in a row. While individual online reviews vary, it is the state's largest insurer with over 3.8 million members who value reliable service.
How to Find the Best Health Insurance for You in New Jersey
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket limits for plans. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates can start as low as $430 per month in New Jersey, depending on your personal profile and plan type chosen. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, have gotten divorced or have had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top New Jersey Medicare Supplement and best Medicare Advantage plans in New Jersey if you want to learn more.
Best Health Insurance in New Jersey: Bottom Line
Overall, our top three picks for New Jersey health insurance are Aetna CVS Health, Horizon and AmeriHealth. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best New Jersey Health Insurance: FAQ
Below we've answered frequently asked questions about the best health insurance in New Jersey:
What is the best health insurance provider in New Jersey for 2025?
Aetna CVS Health provides the best health insurance in New Jersey for 2025. However, the best choice for you will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in New Jersey?
When finding the best health insurance plan, compare premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
How We Chose the Best Health Insurance in New Jersey
To rank health care insurance providers in New Jersey, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in New Jersey" and "Best Health Insurance in New Jersey for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in New Jersey," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in New Jersey for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.