Before subsidies, the average benchmark silver plan for a 40-year-old in New Jersey costs $665 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. The rest of this page covers your coverage options in Summit, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Summit
Licensed agents can compare plans available in Union County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Summit, NJ
| Where to enroll | Get Covered New Jersey |
|---|---|
| Average benchmark silver, age 40 (2027) | $665/mo before subsidies |
| Marketplace insurers in New Jersey (2027) | 5 |
| Medicaid expansion | Yes |
| Short-term plans | Not sold |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
How to get ready
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
- Check that the agent's license is active with the state regulator.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
Free enrollment help in New Jersey
Get Covered New Jersey Navigators and Assisters, trained and certified, provide free in-person, phone or remote enrollment help; search via Find Local Assistance on the enrollment site. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in New Jersey?
For 2027, marketplace plans in New Jersey come from 5 insurers: Horizon Blue Cross Blue Shield of New Jersey, AmeriHealth New Jersey, Oscar Health, Ambetter (WellCare) and UnitedHealthcare. Not every insurer sells in every county.
How much is health insurance in Summit?
Before subsidies, the average benchmark silver plan for a 40-year-old in New Jersey costs $665 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. A licensed agent can quote your exact price.
Where can I buy health insurance in Summit?
Through the Get Covered New Jersey, directly from an insurer, or with a licensed agent or broker who can do either.
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