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New Jersey · licensed here · 2026 plan year

What Are the GetCoveredNJ Income Limits for 2026? New Jersey's NJ FamilyCare, State Subsidy, and Tax Credit Lines by Family Size

Written and reviewed by Dick Tracy, licensed health insurance broker (NPN 20414610) · Published September 18, 2026

🔍 Find my family's lines 📊 The full 2026 table 🧮 Estimate my tax credit in dollars

For 2026 coverage, GetCoveredNJ gives a federal premium tax credit to households up to 400% of the poverty level: $62,600 for one person and $128,600 for a family of four. One dollar over and the federal credit is zero, because the enhanced credits expired December 31, 2025. New Jersey is one of the few states that does not stop there: its own subsidy, New Jersey Health Plan Savings, reaches up to 600% of poverty, $93,900 for one person and $192,900 for a family of four, though between 400% and 600% it is a small amount, not a replacement for the federal credit. Adults under 138% of poverty ($1,836 a month single, $3,795 for four) go to NJ FamilyCare, the state's Medicaid program, and children are covered by NJ FamilyCare up to 355% of poverty ($9,763 a month for a family of four) with no premium. Every line for households of one to eight is below, then the doors if you are over the top one. I educate, you decide.

The full New Jersey income chart for 2026

Two programs, two poverty tables. The tax-credit range and the state subsidy for 2026 coverage run on the 2025 poverty guidelines ($15,650 for one person plus $5,500 each), because the federal rule sets a plan year's eligibility with the prior year's table. NJ FamilyCare runs on the 2026 guidelines ($15,960 plus $5,680), on a chart that took effect January 1, 2026. The federal credit technically starts at 100% of poverty, but a New Jersey adult between 100% and 138% is sent to NJ FamilyCare instead, so in practice the credit starts just above that line. NJ FamilyCare counts income by the month, so the yearly figures below are the state's monthly limits times twelve.

Source: NJ FamilyCare income chart, effective January 1, 2026, and Get Covered New Jersey, help with premiums, which gives the 600% figures of $93,900 for one person and $192,900 for a family of four. The monthly NJ FamilyCare limits behind the table: adults $1,836 for one, $2,489 for two, $3,142 for three, $3,795 for four, plus $654 each; children $4,722, $6,402, $8,083, $9,763, plus $1,681 each. For a pregnant woman the unborn child counts as a household member. Get Covered New Jersey's own financial help page still showed older NJ FamilyCare dollar figures when I checked, so I used the program's current chart. For 2027 coverage the tax credit table moves to the 2026 guidelines: $63,840 for one and $132,000 for four at the federal cliff.

New Jersey's own subsidy goes to 600% of poverty. Here is what it is really worth

New Jersey Health Plan Savings is a state subsidy that shows up automatically on a GetCoveredNJ application, stacked on top of the federal credit. The state kept it for 2026 and budgeted an estimated $215 million for it. That is real money, and it is the reason a New Jerseyan under the cliff often does better than the same household in Pennsylvania or Kentucky. But read the fine print before you relax about the 400% line. The Department of Banking and Insurance was plain that the state cannot replace the roughly $500 million a year in federal help that expired. Between 400% and 600% of poverty the state subsidy is the only help left, and the department's budget testimony put it at about $40 a month on average for the roughly 31,000 people in that band. So a single person who goes from $62,600 to $62,601 does not fall to zero in New Jersey, but the federal credit, which is the big one, is gone. The department projected that the average enrollee's premium would rise by more than $2,780 a year, 174%, with the enhanced credits gone.

New Jersey also runs a reinsurance program, the Premium Security Plan, under a federal waiver approved through 2028. It pays part of the largest claims so carriers can file lower rates, and the state credits it with premiums roughly 15% lower than they would otherwise be. That discount is already baked into the prices you see, whether you get a subsidy or not.

Sources: Get Covered New Jersey, help with premiums; NJ Department of Banking and Insurance, October 27, 2025; DOBI response to the Legislature, fiscal 2027 budget; DOBI, Section 1332 waiver.

What GetCoveredNJ plans cost in 2026, and who left

Sources: KFF, 2026 benchmark premiums; KFF, marketplace enrollment; Get Covered New Jersey, 2026 open enrollment final snapshot.

The approved individual-market increases for 2026 averaged 16.6%: AmeriHealth 15.5%, Horizon 18.1%, Oscar 4.6%, UnitedHealthcare 18.4%, and Ambetter from WellCare of New Jersey 17.1%. The department said about three points of that came from the federal credits expiring, because carriers expected healthier people to drop out. Aetna withdrew from the New Jersey individual market for 2026. The sign-up count barely moved during open enrollment, 509,192 against 513,217 the year before, and then the bills arrived. By April 15 enrollment was 440,362, and by June 30, 2026 it was 434,700, a net loss of 74,492 people in half a year. That is what the return of the cliff looks like in the numbers.

Sources: DOBI, 2026 rates, October 27, 2025; DOBI, October 31, 2025; DOBI, August 10, 2026.

NJ FamilyCare: adults, children, and Cover All Kids

NJ FamilyCare is New Jersey's Medicaid and children's health program in one. Adults 19 to 64 qualify up to 138% of poverty with no premium and no copays. Children under 19 qualify all the way up to 355% of poverty, which is one of the highest lines in the country: $117,156 a year for a family of four. There is no premium at any level on the current chart; families above 150% pay copays of $5 to $10, and above 200%, $5 to $35. Pregnant women qualify up to 205%. Under Cover All Kids, children under 19 who meet the income line qualify regardless of immigration status. The practical point for a family on GetCoveredNJ: in a household of four earning $100,000, the children belong in NJ FamilyCare at no premium and only the adults go on the marketplace plan, which changes the math on the whole family's coverage.

Sources: NJ FamilyCare income chart, effective January 1, 2026; Cover All Kids, frequently asked questions.

NJ FamilyCare changes coming January 1, 2027

New Jersey has posted how the federal changes will land. Starting January 1, 2027, adults 19 to 64 who qualify on income alone must show at least 80 hours a month of work, school, or community service, or earn at least $580 a month. Current members have to show it for one month since their last renewal, and renewals for that group move to every six months instead of once a year; the state says the first renewals affected come up in March 2027. Exemptions include pregnancy, parents and caregivers of young children, and people who are medically frail. If you are near the $1,836 a month line as a single person, the practical effect is that income that drifts above it, or a missed six-month renewal, can put you on GetCoveredNJ mid-year. Losing NJ FamilyCare is a qualifying event, so report the change the month it happens.

Source: NJ Department of Human Services, NJ FamilyCare work requirements.

Open enrollment and special enrollment on GetCoveredNJ

Open enrollment for 2027 coverage runs November 1, 2026 through January 31, 2027, one of the longest windows in the country. Enroll by December 31 for coverage that starts January 1; enroll in January and coverage starts February 1. Outside the window you need a qualifying event, generally reported within 60 days. New Jersey has two that many states do not: pregnancy opens a special enrollment period, and the NJ Easy Enrollment checkbox on the state tax return lets an uninsured filer ask to be contacted about coverage. Losing NJ FamilyCare qualifies any time of year, and NJ FamilyCare itself takes applications year-round. Dropping a plan for nonpayment does not qualify. The dates for every state I work in are on my 2027 dates page.

Sources: DOBI, August 10, 2026; Get Covered New Jersey, frequently asked questions.

Over the line in New Jersey? It works a lot like New York

New Jersey is built like New York, where I sit. Every individual plan is guaranteed issue at the same price regardless of health, short-term plans are banned outright, and there is no medically underwritten private plan to price a healthy household on its own health. On top of that New Jersey has its own mandate: go without qualifying coverage and the state charges a Shared Responsibility Payment on your New Jersey tax return. So going bare to save money is not a free move here. For a household over $128,600, that leaves the sticker price on a market that just went up 16.6%, minus about $40 a month if you are under 600%. The door I open first for a healthy owner in that spot is a pre-established ERISA group plan: group rates, a true PPO, no payroll or employees required, and for New Jersey residents the network is MagnaCare, the same one my New York clients use. The second door is the same GetCoveredNJ plans bought on or off the exchange, which is the right call for anyone with a health condition. The third is the supplemental layer for the deductible. I walk through all three on the New Jersey self-employed guide. New Jersey's median household income is $104,294, so a lot of ordinary two-earner families are standing close to the $128,600 line. If you are within $10,000 of it, a Solo 401(k) or SEP contribution, run with your tax professional, is the first lever to pull.

Sources: healthinsurance.org, New Jersey short-term rules; NJ Treasury, health insurance mandate; Census ACS 2024 one-year estimate, New Jersey median household income.

Common questions about GetCoveredNJ income limits