Obamacare in New Jersey
Health Insurance Marketplace in New Jersey
If you live in New Jersey, you’ll use this website, HealthCare.gov, to apply for coverage, compare plans, and enroll. Spanish language speakers can contact cuidadodesalud.gov.
Choosing the Right Health Insurance Plan
There are 5 categories of Marketplace insurance plans: Bronze, Silver, Gold, Platinum, and Catastrophic.
Plans range from bare bones “bronze” plans which cover 60% of pocket medical costs to “platinum” plans which have greater coverage but come with higher premiums. In general higher premiums mean lower out-of-pocket costs and a wider insurer network of doctors and hospitals.The plans are as listed below:
NOTE: All cost sharing is of out of pocket costs. Please see ObamaCare health benefits for services that are covered at no out of pocket charge on all plans. The maximum out-of-pocket costs for any Marketplace plan for 2014 are $6,350 for an individual plan and $12,700 for a family plan.
Bronze Plan: The bronze plan is the lowest cost plan available. It has the lowest premiums and in exchange has the lowest actuarial value. The actuarial value of a bronze plan is 60%. This means that 60% of medical costs are paid for by the insurance company, leaving the other 40% to be paid by you.
Silver Plan: The Silver plan is the second lowest cost plan, it has an actuarial value of 70%. This means that 70% of medical costs are paid for by the insurance company, leaving the other 30% to be paid by you. The Silver plan is the standard choice for most reasonably healthy families who historically use medical services.
Gold Plan: The Gold plan is the second most expensive plan, it has an actuarial value of 80%. This means that 80% of medical costs are paid for by the insurance company, leaving the other 20% to be paid by you.
Platinum Plan: The Platinum plan is the plan with the highest premiums offered on the insurance exchange. The Platinum plan as an actuarial value of 90%. This means that 90% of medical costs are paid for by the insurance company, leaving the other 10% to be paid by you. This plan is suggested to those with high incomes and those in poor health. Although coverage is more expensive up front the 90% coverage of costs will help those who use medical services frequently.
Catastrophic plans – which have very high deductibles and essentially provide protection from worst-case scenarios, like a serious accident or extended illness — are available to people under 30 years old and to people who have hardship exemptions from the fee that most people without health coverage must pay.
Expanded Medicaid
New Jersey will expand its Medicaid program in 2014 to cover households with incomes up to 133% of the federal poverty level. That works out to about $15,800 a year for 1 person or $32,500 for a family of 4. You can find out whether you qualify for Medicaid in New Jersey 2 ways: Contact your state Medicaid agency right now or fill out an application for coverage in the Health Insurance Marketplace.
Who can help you (the Navigators)
Center For Family Services, Inc.
Center For Family Services, Inc. (CFS) is a nonprofit human services agency with 90 years of experience serving individuals and families across the life span. CFS will serve the seven lower southern counties of New Jersey which include: Camden, Burlington, Gloucester, Salem, Atlantic, Cape May and Cumberland. The funds will be used to educate and help enroll consumers in the health insurance marketplace.
Wendy Sykes – Orange ACA Navigator Project
The Orange ACA Navigator Project (OACANP) will integrate several successfully existing community-based systems to serve as a guide to help uninsured residents and small businesses in underserved and vulnerable populations. OACANP will help consumers learn about insurance options and assist with enrollment in health plans through the competitive health insurance marketplace.
The Urban League of Hudson County
The Urban League of Hudson County (ULHC) is a community based organization dedicated to advocating, facilitating, and promoting initiatives that allow local residents to participate in the development of urban neighborhoods. ULHC will partner with the Urban League for Bergen County, the Urban League of Morris County and the Urban League Union County to assist consumers in enrolling in the Marketplace.
Public Health Solutions (PHS) is one of the largest non-profit organizations in New York City. PHS will partner with four community-based organizations in New Jersey to provide outreach and enrollment assistance in Hudson and Essex Counties.
FoodBank of Monmouth and Ocean Counties, Inc.
The FoodBank was created in 1984 and today serves over 260 pantries, soup kitchens and other feeding programs with almost 7 million pounds of food distributed annually. With the help of roughly 1,000 volunteers each year, the FoodBank’s programs work to eliminate hunger by providing emergency food, skills training, outreach programs and advocacy for families in need. Their work will help connect uninsured and underinsured individuals with information about their health insurance options.
Information for:
Individuals and Families
Small businesses
If you need more detailed analysis, identification of issues, solutions, and implementation of your health insurance plan please let us know with the form below and we’ll get right back to you.
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Consumer Operated and Oriented Plan Program
Consumer Operated and Oriented Plan (CO-OP) Program are qualified nonprofit health insurance issuers that offer competitive health plans in the individual and small group markets. CO-OP’s in New Jersey:
Accountable Care Organizations in New Jersey
ACOs are profit-driven health innovators primarily serving Medicare patients who are financially rewarded by the government and private insurance companies for delivering medical services that lead to better health outcomes for less money.
- Developmental Disabilities Health Services NJ – Health Care Innovation Award
- Mount Sinai School Of Medicine NJ – Health Care Innovation Award
- Cooper University Hospital NJ – Health Care Innovation Award
- Trustees Of Dartmouth College NJ – Health Care Innovation Award
- The Trustees Of The University Of Pennsylvania NJ – Health Care Innovation Award
- University Of North Texas Health Science Center NJ – Health Care Innovation Award
Health care facilities where Innovation Models are being tested
- Inspira Medical Center Vineland Vineland, NJ – BPCI Initiative: Model 1
- University Medical Center of Princeton at Plainsboro Princeton, NJ – BPCI Initiative: Model 1
- Cooper Hospital/University Medical Center Camden, NJ – BPCI Initiative: Model 1
- Robert Wood Johnson University Hospital New Brunswick, NJ – BPCI Initiative: Model 1
- Overlook Medical Center Summit, NJ – BPCI Initiative: Model 1
- Jersey Shore University Medical Center Neptune, NJ – BPCI Initiative: Model 1
- St. Joseph’s Regional Medical Center, St. Joseph’s Wayne Hospital Paterson, NJ – BPCI Initiative: Model 1
- Saint Clare’s Hospital (Denville/Dover) Denville, NJ – BPCI Initiative: Model 1
- Saint Peter’s University Hospital New Brunswick, NJ – BPCI Initiative: Model 1
- Morristown Medical Center Morristown, NJ – BPCI Initiative: Model 1
- Hunterdon Medical Center Flemington, NJ – BPCI Initiative: Model 1
- Saint Michael’s Medical Center Newark, NJ- BPCI Initiative: Model 1
- Deborah Heart and Lung Center Brown Mills, NJ – BPCI Initiative: Model 1
- Capital Health Regional Medical Center Trenton, NJ – BPCI Initiative: Model 1
- Capital Health Medical Center – Hopewell Pennington, NJ – BPCI Initiative: Model 1
- Robert Wood Johnson University Hospital Rahway Rahway, NJ – BPCI Initiative: Model 1
- Robert Wood Johnson University Hospital Hamilton Hamilton, NJ – BPCI Initiative: Model 1
- St. Mary’s Hospital Passaic Passaic, NJ – BPCI Initiative: Model 1
- Inspira Medical Center Woodbury Woodbury, NJ – BPCI Initiative: Model 1
- JFK Medical Center Edison, NJ- BPCI Initiative: Model 1
- CentraState Medical Center Freehold, NJ – BPCI Initiative: Model 1
- The Valley Hospital Ridgewood, NJ – BPCI Initiative: Model 1
- Our Lady of Lourdes Medical Center Camden, NJ- BPCI Initiative: Model 2
- St. Luke’s Hospital-Warren Campus Phillipsburg, NJ – BPCI Initiative: Model 2
- The Valley Hospital Ridgewood, NJ – BPCI Initiative: Model 2
- Holy Name Medical Center Teaneck, NJ – BPCI Initiative: Model 2
- Morristown Medical Center Morristown, NJ – BPCI Initiative: Model 2
- Bayonne Medical Center Bayonne, NJ – BPCI Initiative: Model 2
- Jersey City Medical Center Jersey City, NJ – BPCI Initiative: Model 2
- Overlook Medical Center Summit, NJ – BPCI Initiative: Model 2
- Hackensack University Medical Center Hackensack, NJ – BPCI Initiative: Model 2
- St Joseph’s Regional Medical Center Paterson, NJ – BPCI Initiative: Model 2
- Mountainside Hospital Montclair , NJ – BPCI Initiative: Model 2
- Bayada Home Health Care, Inc. Cherry Hill, NJ – BCPI Initiative: Model 3
- ManorCare Health Services-Voorhees Voorhees, NJ – BCPI Initiative: Model 3
- ManorCare Health Services-Washington Township Sewell, NJ – BCPI Initiative: Model 3
- VNA Health Group Red Bank, NJ – BCPI Initiative: Model 3
- Bayada Home Health Care, Inc. Jersey City, NJ – BCPI Initiative: Model 3
- Bayada Home Health Care, Inc. Millville, NJ – BCPI Initiative: Model 3
- ManorCare Health Services (Cherry Hill) Cherry Hill, NJ – BCPI Initiative: Model 3
- ManorCare Health Services (West Deptford) Paulsboro, NJ – BCPI Initiative: Model 3
- d/b/a Amedisys Home Health Secaucus, NJ – BCPI Initiative: Model 3
- Meridian Hospital Corporation, Jersey Shore University Medical Center Neptune, NJ – BCPI Initiative: Model 4
- Shore Memorial Hospital Somers Point, NJ – BCPI Initiative: Model 4
- Central New Jersey Care Transition Program Red Bank, NJ – Community-based Care Transition Program
- Dennis Novak, MD PA Forked River, NJ – Comprehensive Primary Care Initiative
- Summit Medical Arts Associates LLC North Bergen, NJ – Comprehensive Primary Care Initiative
- Summit Medical Group – 11 Cleveland Place Springfield, NJ- Comprehensive Primary Care Initiative
- Water Street Physicians Toms River, NJ- Comprehensive Primary Care Initiative
- Vanguard Medical Group Verona, NJ- Comprehensive Primary Care Initiative
- Village Medical Phillipsburg, NJ – Comprehensive Primary Care Initiative
- Comprehensive Family Medicine Warren, NJ – Comprehensive Primary Care Initiative
- William P Boyan MD/MBA LLC Brick, NJ – Comprehensive Primary Care Initiative
- Woodbridge Internal Medical Associates Woodbridge, NJ – Comprehensive Primary Care Initiative
- RWJMG Family Medicine at Monument Square New Brunswick, NJ – Comprehensive Primary Care Initiative
- Your Doctors Care Hillsborough, NJ – Comprehensive Primary Care Initiative
- Annandale Family Practice, LLC Lebanon, NJ – Comprehensive Primary Care Initiative
- Columbus Family Physicians Columbus, NJ – Comprehensive Primary Care Initiative
- Avenel Iselin Medical Group Iselin, NJ – Comprehensive Primary Care Initiative
- Central Jersey Internal Medicine Associates Somerset, NJ – Comprehensive Primary Care Initiative
- Branchburg Family Health Center Somerville, NJ – Comprehensive Primary Care Initiative
- Summit Medical Group – 563 Westfield Ave Westfield, NJ – Comprehensive Primary Care Initiative
- Red Bank Family Medicine, a practice site of Integrated Medicine Alliance Red Bank, NJ- Comprehensive Primary Care Initiative
- Riverfield Family Health Center Clinton, NJ – Comprehensive Primary Care Initiative
- Pranay Bhatt, MD, LLC Bloomfield, NJ – Comprehensive Primary Care Initiative
- FirstMed Family Healthcare Northvale, NJ- Comprehensive Primary Care Initiative
- Firstcare Medical Group Verona, NJ – Comprehensive Primary Care Initiative
- Family Practice Associates of Voorhees Voorhees, NJ – Comprehensive Primary Care Initiative
- Summit Medical Group – 8 Mountain Boulevard Warren, NJ – Comprehensive Primary Care Initiative
- Chapel Hill Family Medicine, a practice site of Integrated Medicine Alliance Red Bank, NJ – Comprehensive Primary Care Initiative
- Borowski & Borowski Linden, NJ – Comprehensive Primary Care Initiative
- Hopewell Family Practice Hopewell, NJ – Comprehensive Primary Care Initiative
- EHMG – Seabrook Village Tinton Falls, NJ – Comprehensive Primary Care Initiative
- Highlands Family Health Center Hampton, NJ – Comprehensive Primary Care Initiative
- Riverfield Family Health Center Washington, NJ – Comprehensive Primary Care Initiative
- Richard Corson, MD, LLC Hillsborough, NJ – Comprehensive Primary Care Initiative
- Red Bank Medical, a practice site of Integrated Medicine Alliance Red Bank, NJ – Comprehensive Primary Care Initiative
- Jersey Coast Family Medicine LLC Brick, NJ – Comprehensive Primary Care Initiative
- Harvey R Gross MD PC Englewood, NJ – Comprehensive Primary Care Initiative
- Family Medicine Center Manahawkin, NJ – Comprehensive Primary Care Initiative
- Jeanne Tomaino, M.D., a practice site of Integrated Medicine Alliance Red Bank, NJ – Comprehensive Primary Care Initiative
- Forest Hill Family Health Associates, PA Newark, NJ – Comprehensive Primary Care Initiative
- Immedicenter Totowa Totowa, NJ – Comprehensive Primary Care Initiative
- Alexander Biener, MD PA Woodcliff Lake, NJ – Comprehensive Primary Care Initiative
- Omnimed Florham Park, NJ – Comprehensive Primary Care Initiative
- East Hudson Primary Care West New York, NJ – Comprehensive Primary Care Initiative
- Family Practice of Middletown, a practice site of Integrated Medicine Alliance Middletown, NJ – Comprehensive Primary Care Initiative
- Joyce Nkwonta, MD PC Plainfield, NJ – Comprehensive Primary Care Initiative
- Wayne R. Braendle, M.D., a practice site of Integrated Medicine Alliance Red Bank, NJ – Comprehensive Primary Care Initiative
- Summit Medical Group – 552 Westfield Ave Westfield, NJJ – Comprehensive Primary Care Initiative
- Cornerstone Family Practice Flemington, NJ – Comprehensive Primary Care Initiative
- Farmingdale Family Practice Farmingdale, NJ – Comprehensive Primary Care Initiative
- Inman Medical Associates Colonia, NJ – Comprehensive Primary Care Initiative
- Hampton Family Practice Hampton, NJ – Comprehensive Primary Care Initiative
- HealthCare for Life Eatontown, NJ – Comprehensive Primary Care Initiative
- Hudson Primary Care Professionals Jersey City, NJ – Comprehensive Primary Care Initiative
- Hunterdon Family Practice & Obstetrics Flemington, NJ – Comprehensive Primary Care Initiative
- Immedicenter Clifton, NJ – Comprehensive Primary Care Initiative
- Rekha Sehgal Vineland, NJ – Comprehensive Primary Care Initiative
- Kennedy Health Alliance Voorhees, NJ – Comprehensive Primary Care Initiative
- Max Burger MD LLC Southampton, NJ – Comprehensive Primary Care Initiative
- Marc Feingold, MD LLC Manalapan, NJ – Comprehensive Primary Care Initiative
- Marshall Lauer MD Collingswood, NJ – Comprehensive Primary Care Initiative
- Meetinghouse Family Physicians Marlton, NJ – Comprehensive Primary Care Initiative
- Moreno Medical Associates Jersey City, NJ – Comprehensive Primary Care Initiative
- Nandini Moray MD PA Edison, NJ – Comprehensive Primary Care Initiative
- New Jersey Physicians, LLC Rutherford, NJ – Comprehensive Primary Care Initiative
- Middlebrook Family Physician Bound Brook, NJ – Comprehensive Primary Care Initiative
- Ocean County Internal Medicine Assoc. Lakewood, NJ – Comprehensive Primary Care Initiative
- Princeton Health Affiliated Physicians Princeton, NJ – Comprehensive Primary Care Initiative
- Partners in Freedom LLC Sea Girt, NJ – Comprehensive Primary Care Initiative
- Orlando Mills Associates PA Freehold, NJ – Comprehensive Primary Care Initiative
- EHMG – Cedar Crest Village Pompton Plains, NJ – Comprehensive Primary Care Initiative
- Fair Haven Internal Medicine, a practice site of Integrated Medicine Alliance Fair Haven, NJ – Comprehensive Primary Care Initiative
- CAMcare-East Camden, NJ- Federally Qualified Health Center Advanced Primary Care Practice Demonstration
- Southern Jersey Family Medical Centers, Inc. New Lisbon, NJ – Federally Qualified Health Center Advanced Primary Care Practice Demonstration
- Southern Jersey Family Medical Centers, Inc. Atlantic City, NJ – Federally Qualified Health Center Advanced Primary Care Practice Demonstration
- Southern Jersey Family Medical Centers, Inc. Hammonton, NJ – Federally Qualified Health Center Advanced Primary Care Practice Demonstration
- Southern Jersey Family Medical Centers, Inc. Pleasantville, NJ – Federally Qualified Health Center Advanced Primary Care Practice Demonstration
- Southern Jersey Family Medical Centers, Inc. Salem, NJ – Federally Qualified Health Center Advanced Primary Care Practice Demonstration
- University of Medicine and Dentistry RWJ Eric B. Chandler Health Center New Brunswick, NJ – Federally Qualified Health Center Advanced Primary Care Practice Demonstration
- Maureen Thompson BSN, RN, CWOCN Newark, NJ – Innovation Advisors Program
- Jersey Shore University Medical Center Neptune, NJ – Strong Start for Mothers and Newborns Initiative
- Saint Peter’s University Hospital New Brunswick, NJ – Strong Start for Mothers and Newborns Initiative
- Eric B. Chandler Health Center New Brunswick, NJ – Strong Start for Mothers and Newborns Initiative
- Jewish Renaissance Health Center Perth Amboy, NJ – Strong Start for Mothers and Newborns Initiative
- Newark Community Health Center Newark, NJ – Strong Start for Mothers and Newborns Initiative
- Ocean Health Initiatives Lakewood, NJ – Strong Start for Mothers and Newborns Initiative
- Capital Health Pennington, NJ – Strong Start for Mothers and Newborns Initiative
- Monmouth Family Health Center Long Branch, NJ – Strong Start for Mothers and Newborns Initiative
The Insurance Exchange/Marketplace
What has been done, not been done, or left up to the federal government to do.
Establishing the Exchange in New Jersey
On December 7, 2012, Governor Chris Christie (R) vetoed A 3186/S 2135, which would have established a health insurance exchange within the Department of Banking and Insurance and announced that the state would default to a federal exchange.1Governor Chris Christie (R) vetoed similar legislation earlier in 2012.2
In 2011, the New Jersey Interagency Working Group on the ACA, led by the Health Care Policy Advisor to the Governor, had contracted with Rutgers University’s Center for State Health Policy to assist in the planning effort. In December 2011, the Center for State Health Policy released a summary of a multi-stakeholder forum convened to examine governance options for a New Jersey exchange.3 The results of the forum build on the Center’s compilation of stakeholder views of a state-based exchange released in August 2011.4 Though there was agreement that the state should establish an exchange, there was less consensus around the composition of the governing board and whether the exchange should be an active purchaser or clearinghouse.5
At the same time, the New Jersey Department of Banking and Insurance and the Robert Wood Johnson Foundation funded the Center for State Health Policy, in collaboration with Seton Hall University School of Law, to examine critical exchange design issues. The Center, completed a policy analysis of governance options and released a report recommending that New Jersey establish an exchange as a government agency, overseen by a Board of Directors with seven to nine members, and guided by insight from a larger advisory board.6 The Center released several additional reports on numerous topics: merging the non-group and small-group risk pools, establishment of a defined contribution strategy in the Small Business Health Options Program (SHOP) exchange, incorporating quality measures into exchange ratings of health plans, creation of Basic Health Plan in New Jersey, background information related to selection of an Essential Health Benefits plan, and prevention of adverse selection.7,8,9,10,11,12 The Center has also collaborated with Seton Hall University on a number of studies, including an assessment of the ACA’s impact on health coverage of New Jersey residents, an evaluation of federal and state regulation of rating factors, a comparison of the clearinghouse versus active purchaser model, and an investigation into eligibility and enrollment issues related to an exchange and Medicaid.13,14,15,16
Essential Health Benefits (EHB): The ACA requires that all non-grandfathered individual and small-group plans sold in a state, including those offered through the Exchange, cover certain defined health benefits. Since New Jersey has not put forward a recommendation, the state’s benchmark EHB plan will default to the largest small-group plan in the state, Horizon Blue Cross Blue Shield- HMO Access.
Exchange Funding
The New Jersey Department of Banking and Insurance received a federal Exchange Planning grant of $1 million in 2010. On February 22, 2012, the Department of Banking and Insurance also received a Level One Establishment grant of $7.7 million to address gaps in information technology and to continue the planning efforts and policy analysis of issues such as reinsurance, projected plan cost and utilization, standards for plan management, and the essential health benefits.17
Expansion of Medicaid
From 2014 to 2017, the federal government will pay for 100% of the difference between a state’s current Medicaid eligibility level and the ACA minimum. Federal contributions to the expansion will drop to 95% in 2017 and remain at 90% after 2020, according to the ACA.
As the ACA was originally written, states would lose all Medicaid funding if they refused to expand their program to the ACA minimum.
However, the Supreme Court in June 2012 ruled that the federal government could not withhold Medicaid funding for states that chose not to expand their programs. The decision effectively allowed state officials to opt out of the expansion, and some have said they will do just that.
New Jersey is participating in Medicaid expansion.
Next Steps
The federal government will assume full responsibility for running a health insurance exchange in New Jersey beginning in 2014.
1. A 3186/S 2135. New Jersey Health Benefit Exchange Act of 2012.http://www.njleg.state.nj.us/2012/Bills/A3500/3186_R1.PDF
2. A 2171. New Jersey Health Benefit Exchange Act of 2012.http://www.njleg.state.nj.us/2012/Bills/A2500/2171_R2.PDF
3. “Summary of Proceedings. Stakeholder Forum to Discuss Governance Options for a New Jersey Health Insurance Exchange.” Rutgers Center for State Health Policy. December 2011.http://www.cshp.rutgers.edu/Downloads/9160.pdf
4. Cantor J, et al. “Stakeholder Views about the Design of Health Insurance Exchanges for New Jersey: Volumes I, II, and II.” Rutgers Center for State Health Policy. August 2011.http://www.cshp.rutgers.edu/Downloads/8980.pdf,http://www.cshp.rutgers.edu/Downloads/9000.pdf, http://www.cshp.rutgers.edu/Downloads/8990.pdf
5. Fitzgerald B. “Countdown to NJ’s Health Insurance Exchange.” NJSpotlight. January 3, 2012.http://www.njspotlight.com/stories/12/0103/0316/
6. Jacobi J. “Health Insurance Exchanges: Governance Issues for New Jersey.” Rutgers Center for State Health Policy. September 2011. http://www.cshp.rutgers.edu/Downloads/9020.pdf
7. Cantor J. “Combining New Jersey’s Individual and Small Group Health Insurance Risk Pools. Rutgers Center for State Health Policy. December 2011.http://www.cshp.rutgers.edu/Downloads/9140.pdf
8. Chou J, et al. “Examining a Defined Contribution Strategy in the SHOP Exchange.” Rutgers Center for State Health Policy. December 2011. http://www.cshp.rutgers.edu/Downloads/9130.pdf
9. Michael M and Gaboda D. “Incorporating Quality Measures in Health Insurance Exchange Ratings of Health Plans. Rutgers Center for State Health Policy. December 2011.http://www.cshp.rutgers.edu/Downloads/9150.pdf
10. Gaboda D and Farnham J. “The Basic Health Plan Option in New Jersey.” Rutgers Center for State Health Policy. December 2011. http://www.cshp.rutgers.edu/Downloads/9120.pdf
11. Greenwood K, Ragone TA, Jacobi JV. “Implementing the Essential Health Benefits Requirements in New Jersey; Decision Points and Policy Issues.” Rutgers’ Center for State Health Policy and Seton Hall’s Center for Health and Pharmaceutical law and Policy. August 2012.http://www.cshp.rutgers.edu/Downloads/9540.pdf
12. Canto J “Preventing Adverse Risk Selection in New Jersey’s Health Insurance Exchange and the Outside Individual and Small-Group Markets.” Rutgers Center for State Health Policy. August 2012. http://www.cshp.rutgers.edu/Downloads/9510.pdf
13. Cantor J, et al. “Health Insurance Status in New Jersey after Implementation of the Affordable Care Act.” Rutgers’ Center for State Health Policy and Seton Hall’s Center for Health and Pharmaceutical law and Policy. August 2011. http://www.cshp.rutgers.edu/Downloads/8970.pdf
14. Ragone TA. “Evaluating Federal and New Jersey Regulation of Rating Factors and Rating Bands. Rutgers’ Center for State Health Policy and Seton Hall’s Center for Health and Pharmaceutical law and Policy. August 2012. http://www.cshp.rutgers.edu/Downloads/9490.pdf
15. Jacobi J. “Active or Passive: The Role of a New Jersey Health Insurance Exchange.” Rutgers’ Center for State Health Policy and Seton Hall’s Center for Health and Pharmaceutical law and Policy. August 2012. http://www.cshp.rutgers.edu/Downloads/9530.pdf
16. Greenwood K. “The Health Insurance Exchange, the Medicaid program, and the Apportionment of Responsibility for Determining Eligibility and Effectuating Enrollment in New Jersey.” Rutgers’ Center for State Health Policy and Seton Hall’s Center for Health and Pharmaceutical law and Policy. August 2012. http://www.cshp.rutgers.edu/Downloads/9500.pdf
17. U.S. Department of Health and Human Services Factsheet. “Creating a New Competitive Marketplace: Health Insurance Exchange Establishment Grants Awards List.” (Accessed February 22, 2012) http://www.healthcare.gov/news/factsheets/2011/05/exchanges05232011a.html
Also of interest
Provided by the Henry J. Kaiser Family Foundation