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 Union City, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Union City
Licensed agents can compare plans available in Hudson County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Union City, 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.
Before you call an agent
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Ask each agent which carriers they can quote in your county.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Write down the enrollment deadline and confirm your first premium payment.
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
Where can I buy health insurance in Union City?
Through the Get Covered New Jersey, directly from an insurer, or with a licensed agent or broker who can do either.
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 Union City?
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.
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