Individual, Family, and Self-Employed Health Insurance

Get a customized health insurance quote for 2020

If you are an individual, family, or self-employed in NJ looking for affordable health insurance, we can assist you through the whole process including running quotes, reviewing plan options, and enrolling you in a policy for the 2020 open enrollment between 11/1 and 12/15. There are three carriers offering coverage on and off the marketplace for New Jersey residents:

  • AmeriHealth
  • Horizon BlueCross/BlueShield of NJ
  • Oscar

A nice aspect of health insurance in New Jersey is there is no additional cost to use our health insurance services. The premiums for all policies are the same whether you enroll directly with an insurance carrier or through an insurance brokerage firm like Spencer & Spencer, so we encourage you to utilize our knowledge and experience to help you find the right plan. We also assist individuals who qualify for a subsidy enroll for coverage on the Federal Healthcare Marketplace (

The enrollment rules are strict and the deadline to apply for coverage is 12/15/2019 for a 1/1/2020 effective date. 

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“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options.”