Individual & Family Health Insurance

Get A Quote

Spencer & Spencer can create a personalized quote with plan designs of your choice such as high deductible (low-cost), mid-tier Silver level, and high-end Gold level for all three carriers offering personal health insurance in New Jersey. These carriers are: 

  • AmeriHealth
  • Horizon BlueCross BlueShield of NJ
  • Oscar

We can also review the plans with you and complete your enrollment at no additional cost. The premiums are the same whether you work directly with the insurance carrier or through a brokerage firm like Spencer & Spencer, so we encourage you to utilize our knowledge and experience. We also can help you enroll in a policy through the Federal Healthcare Marketplace (

Enrollment rules are strict: if you have lost health insurance coverage through your employer or previous employer due to a 'qualifying event', you have only 60 calendar days from the day you lost coverage to enroll onto a personal health insurance policy. Documentation has to be submitted with your application showing you lost coverage within 60 days. If you miss this deadline, you have to wait until 1/1/2019 to enroll unless there is an exception. One common exception is if you are eligible to enroll on another group policy through work. Please contact us at (973) 971-0002 or request information by clicking the link below.

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