New Jersey Health Insurance Plans and Healthshare Programs

HSA for America Offers New Jersey Health Insurance Plans and Healthshare programs at the Lowest Rates Available!


The word "HSA" will be in the plan name if the plan is HSA-qualified. You will also see quotes for non-HSA plans.

Learn more about available health insurance plans


Health sharing plans are not insurance but a more affordable way to make sure your family is protected from unexpected medical expenses.

Learn more about healthshare programs

We have indicated the most popular option we offer in NJ in the list of health insurance carriers and health sharing organizations that we represent below. Easily compare plans and rates when you run a health insurance instant quote or a healthshare instant quote.

In New Jersey there is a mandate requiring residents to carry qualified health insurance. If you are not exempt from this requirement and do not have health insurance, you will be required to pay a penalty of 2.5% of your income, and no less than $695 per person and an additional $347.50.

We believe that people should be free to make their own decisions about their healthcare. Fortunately, members of qualified health care sharing plans are exempt from this mandate. The health sharing plans in Massachusetts that we recommend include OneShare Health, Altrua Healthshare, Medi-share, Mpowering Benefits, and Sedera.


If you have any questions or need assistance, contact me, Lou Spatafore directly. You can schedule a call on my calendar, text me at 720-741-1561, or call me on my direct line, 877-676-1039.

Lou Spatafore

Aetna is a large health insurance company that serves 23.5 medical consumers in all states within the U.S.  Since their inception in 1853, they have gone through several changes to make them the insurance company they are today - extremely giving.  Recently, in 2014, Aetna announced $1.2 million in grants that will go to support the use of digital technology.  This technology will serve minority populations.

Read More about Aetna

Aetna Health Insurance

Altrua Healthshare has thousands of members in a majority of the states. Members of healthshare plans are exempt from the requirements of the Affordable Care Act, including the requirement to purchase a government-approved health insurance plan.

Altrua is known as being very easy to work with.


Read More about Altrua Healthshare

Amerihealth NJ was founded in 1995, and over the last two decades, they have expanded their influence to reach health providers and doctors at 76 hospitals in their state. Amerihealth NJ focuses solely on New Jersey and its care, preferring to specialize as opposed to offering a wider net of coverage.

AmeriHealth New JerseyRead More about AmeriHealth New Jersey

DPC Direct is a non-insurance health sharing program designed specifically for people who are members of a Direct Primary Care medical clinic. DPC clinics charge a low monthly fee to cover all primary care, including preventive care and unlimited doctor visits, while the DPC Direct protects from emergency and hospitalization expenses. (Read more about Direct Primary Care in our Complete Guide to Direct Primary Care).

Read More about DPC Direct DPC Direct

Horizon BCBS of New Jersey is the largest health insurance company in the state, insuring over 3.6 million people. In business since 1932, it’s part of the nationwide Blue network of insurers, which insures 1 out of every 3 Americans.

All Horizon plans are ACA-qualified, meaning that they provide all of the benefits required under the Affordable Care Act.

Read More about Horizon BCBS of NJ

Horizon Blue Cross Blue Shield of New Jersey

The HSA Secure is an HSA-qualified MEC insurance plan, combined with a health sharing program that offers unlimited lifetime benefits. The result is a very low-cost program that combines the tax benefits of an HSA with all the flexibility and savings of a healthshare plan.
This is one of our most popular options, and highly recommended. Available to both individuals and small groups.

MPowering Benefits

Best Seller is OneShare Health

Medi-share has a strongly worded faith statement, and is popular with people who want a healthshare program with a strong Christian faith component.

Monthly contribution amounts are sometimes not as competitive as other health sharing organizations.
Medishare Plans

Read More about Medi-Share

National General Holdings Corp, the parent company of Accident & Health, covers a wide range of insurances from car to homeowner to health. As a division of NGHC, National General Accident & Health is committed to bringing short-term and supplemental coverage to individuals and groups.

National General Holdings Corp
Read More about National General

With three different plan options available, netWell members have access to health plans that are suited to them. Note that health sharing is NOT the same thing as health insurance. In addition to free 24/7 telemedicine, netWell also offers preventive screening benefits that other healthshare plans do not.

Read More about netWell Healthshare Plans    netWell Healthsharing Plans

A subsidiary of the prominent health care sharing ministry NetWell, NetWellRx makes the 605 most-prescribed generic prescription drugs available to subscribers for free.

Read More about netWellrx


OneShare Health is one of the most popular medical cost sharing program we offer. Monthly contributions vary by state, so in some states it is not priced as well, but it often offers the best combination of price and benefits.

This is not health insurance, but rather a more affordable alternative, particularly if you do not qualify for health insurance subsidies.

Read More about Oneshare Health


OneShare Health

netWell Healthshare


Founded in 2012, Oscar Health Insurance is available in California, Arizona, Texas, Oklahoma,  Kansas, Nebraska, Iowa,  Missouri,  Illinois,  Florida,  Georgia,  Tennessee,  North Carolina,  Virginia,  Ohio,  New York,  Pennsylvania, Arkansas and Michigan.

Read More about Oscar Health Insurance


Sedera is one of the most popular health sharing programs available to small groups.

Health sharing programs are not health insurance, but they do serve the same purpose. Monthly contribution amounts are typically less than half the cost of health insurance.
Sedera Health Plans

Read More about Sedera Health Plans

UnitedHealthOneSM (branded) personal insurance products are offered by UnitedHealthcare Life Insurance Company or Golden Rule Insurance Company, both part of the UnitedHealthcare family of companies.  Their health, dental and vision plans take advantage of the UnitedHealthcare network of doctors, hospitals, dental providers and vision professionals for quality care at significant savings.  These networks and providers are available all over the United States.

United Healthcare / Golden Rule Health Insurance logo

Universal HealthShare has up to seven different sharing programs to choose from. Each program has a unique monthly cost, as well as a specific Non-Shareable Amount (NSA). The NSA is the amount that the member must pay each year before medical costs become eligible for sharing.

Read More about Universal Healthshare



WBA offers a very low-priced supplemental accident plan that will reduce your deductible for any accident, to just $100. To learn more and sign up, visit the Accident Plans page.

Read More about WBA Plans

Accident Health Plans


Health insurance plans that are HSA qualified can be viewed in our health insurance instant quote results. HSA-qualified plans will have a blue HSA symbol.
Choose your state below to get a free individual health insurance quote for both HSA-qualified and non-HSA health insurance plans. For a quote on a group, please fill out this Census Form, or schedule a consultation with one of our small business experts.

Learn more about available health insurance plans


Health sharing plans are not insurance but a more affordable way to make sure your family is protected from unexpected medical expenses. Health sharing means that the group is helping to cover each other's medical bills.
Choose your state below to get a free individual quote on our low-cost health sharing plans. For a quote on a small group, please fill out this Census Form, or schedule a consultation with one of our small business experts.

Learn more about healthshare programs

1001-A E. Harmony Rd #519 Fort Collins, CO 80525
Telephone: 800-913-0172
[email protected] | © 2023 - All Rights Reserved

BBB Logo

Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.