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.

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Aetna Health Insurance

Altrua is notable for its popular RUBY plan tier. It features extremely low monthly costs, though benefits are limited as well. 

For example, sharing benefits are capped at $150,000 per year. Unlike most other Altrua is a particularly good match for older health share members because it doesn’t have age banding.


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 an affordable, cost-efficient health sharing program exclusively for Direct Primary Care patients. 

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

Interested in contributing to a health savings account but you’re in a health sharing plan that isn’t HSA-eligible? Then HSA MEC may be the solution for you.

HSA MEC isn’t a health sharing plan per se. Instead, HSA MEC is an add-on to your existing health sharing plan that qualifies you to make pre-tax contributions to HSAs.

So you can take advantage of the immense tax benefits of the health savings account.

Note: At this time, HSA MEC is only available to business owners, independent contractors, and those with verifiable income from self-employment. Those with DPC memberships are not allowed to make HSA contributions.

HSA MEC logo

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This innovative health share plan is HSA-compatible on its own. HSA Secure offers great catastrophic sharing benefits, and excellent value overall. 

Currently only available to business owners, independent contractors, or individuals with verifiable self-employment income. (If you don’t meet these criteria, consider the CARE+ plan, which has nearly identical benefits (except it does not include certain preventative screenings) and is available to anyone, including W-2 employees and those between jobs or looking for an affordable “bridge to Medicare eligibility.”


MPowering Benefits

Best Seller is OneShare Health

Jericho Share is an excellent, very low-cost choice if you want a health sharing plan focused on major and catastrophic needs and you can afford to contribute up to $10,000 to $15,000 per year in the event you unexpectedly need care.

It’s faith-based, but non-denominational. The Jericho Divine plan is arguably the best catastrophic-focused value in the health share industry.

Read More about Jericho...


Medi-Share is among the largest and most established health share ministries in the country, with a 25-year track record of reliable cost sharing and a 98% member satisfaction rate.

It’s an explicitly Christian organization: new members are expected to attend religious services and attest to their Statement of Faith.

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

One of our most popular healthshare plans, netWell has a great comprehensive option (Elite+) for those who want a broad plan with a wide range of benefits that includes doctor visits and preventative care. The Elite+ tier also has excellent maternity benefits.

netWell’s “Advantage” tier also works well for those who want lower costs and more focus on catastrophic care.

Both tiers include access to an extensive pharmaceutical discount plan with hundreds of generics available for free. Compare this with Prosper or OneShare Health.

Read More about netWell Healthshare Plans   

netWell Healthshare 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


An affordable, faith-based health sharing plan with excellent maternity benefits. OneShare Health’s comprehensive Classic plan compares favorably to netWell Healthshare or Prosper.

Read More about Oneshare Health


OneShare Health

netWell Healthshare


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

Read More about Oscar Health Insurance


Sedera Health has one of the shortest waiting periods for pre-existing conditions (36 months) in the health share industry. 

No annual or lifetime sharing caps, though certain dollar amounts and/or visit limits apply to specific types of medical care and therapies. Secular - no religious component or requirement.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 is based on the principles of Unitarian Universalism. 

This faith-based but non-denominational health sharing ministry is open to members of all faiths who agree to adhere to its statement of principles. A good choice for someone who wants a low initial non-shareable amount. Universal is a good choice for those with pre-existing conditions, with a short 1-year exclusion period, then a $50,000 cap for years 2 and 3.

Read More about Universal Healthshare



Prosper’s  health share offering is designed for people who want a benefits-rich plan that includes preventative care and significant sharing for primary care doctor visits

Higher monthly costs than some other health share plans, but still much lower than unsubsidized traditional health insurance products. Compare with netWell and OneShare Health.

Read More about Universal Healthshare Prosper Program


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

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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.