Affordable Health Care Solutions
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At Affordable Health Care, we simplify health insurance — ensuring fast responses and educational resources every step of the way.

Coverage options

Plans we help you compare

There’s no one-size-fits-all plan. Here are the main ways to get covered in New Jersey, who each one tends to fit, and whether you may qualify for help paying for it.

Individual ACA — On-Exchange
Income-qualified individuals & families
CoverageMinimum Value (NJ-mandated)
SubsidiesYes — premium tax credits (APTC) + cost-sharing reductions (CSR)
Best fitAny age · moderate to high medical & Rx needs
Good to knowBought through GetCovered NJ. Tax credits lower your monthly premium; cost-sharing reductions lower what you pay when you actually use care.
Individual ACA — Off-Exchange
Buyers who don't qualify for subsidies
CoverageMinimum Value (NJ-mandated)
SubsidiesNo
Best fitOften younger buyers · moderate to high medical & Rx needs
Good to knowThe same ACA plans bought directly from the insurer. Subsidies apply on-exchange only; off-exchange options can be viewed with GetCovered NJ's rating tool.
Small Group Fully Insured
Traditional employer coverage
CoverageMinimum Value (NJ-mandated)
SubsidiesRarely — groups of 5 or fewer usually don't qualify
Best fitEmployers with 2+ employees · younger groups · higher medical & Rx needs
Good to knowA traditional employer plan. Often costlier today than level-funded or individual options — usually a secondary choice.
Level Funded
Best-value small-employer option
CoverageMinimum Value
SubsidiesLittle to none
Best fitEmployers with 2+ employees · healthier, younger groups · lower medical & Rx needs
Good to knowMedically underwritten (a health questionnaire may apply). Often the best value for employers thanks to healthier risk pools. Reference-Based Pricing available.
Specialty Association / MEWA
Self-employed & gig workers
CoverageMinimum Value or MEC, depending on the plan
SubsidiesNo
Best fitFew or no employees · often older, healthier members · lower medical & Rx needs
Good to knowMedically underwritten (questionnaire always applies). Typically short-term, year-to-year, and cancellable anytime. Reference-Based Pricing may apply.
What do these terms mean?
ACA
The Affordable Care Act — the federal law behind individual marketplace plans.
On / Off-Exchange
On-exchange plans are bought through GetCovered NJ (where subsidies apply); off-exchange plans are bought directly from the insurer.
APTC
Advance Premium Tax Credit — a subsidy that lowers your monthly premium based on income.
CSR
Cost-Sharing Reduction — a subsidy that lowers your deductibles, copays, and out-of-pocket costs when you use care.
MV
Minimum Value — a coverage standard or ACA regulation that mandates your insurance shares responsibility for 10 essential health benefits.
MEC
Minimum Essential Coverage — a more basic coverage standard than Minimum Value.
Medically underwritten
Pricing/eligibility depends on a health questionnaire, so these plans tend to suit healthier groups.
MEWA
Multiple Employer Welfare Arrangement — lets smaller employers or associations pool together for coverage.
RBP
Reference-Based Pricing — caps what a plan pays providers against a benchmark of Medicare to control costs.

This is general information, not a recommendation — eligibility and pricing depend on your situation. We’ll help you find the right fit.

Get a personalized recommendation

Personalized Insurance Guidance

Every client has unique needs. We take the time to understand your situation and recommend health, dental, Medicare, and other coverage options that align with your goals, budget, and healthcare priorities.

Dedicated to your needs

We pride ourselves on individual attention and quick solutions, making the process of buying health insurance easy and accessible for everyone.

Advice first, always

We prioritize appropriate guidance over financial incentives. Our recommendation is the one that's right for you — not the one that pays the most.