Questions & Answers

What is minimum essential health care coverage?

This is health care coverage that meets New Jersey's minimum requirements. It includes (but is not limited to) the following types of health care plans:

  • Any health plan bought through the Health Insurance Marketplace
  • Individual health plans bought outside the Health Insurance Marketplace, if they meet the standards for qualified health plans
  • Any "grandfathered" individual insurance plan you've had since March 23, 2010, or earlier
  • Most job-based plans, including retiree plans and COBRA coverage
  • Medicare Part A
  • Most Medicaid coverage, except for limited coverage plans
  • The Children's Health Insurance Program (CHIP)
  • Coverage under a parent's plan
  • Most student health plans (check with your school to see if the plan counts as qualifying health coverage)
  • Health coverage for Peace Corps volunteers
  • Certain types of veterans health coverage through the Department of Veterans Affairs
  • Most TRICARE plans
  • Department of Defense Nonappropriated Fund Health Benefits program
  • Refugee Medical Assistance

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