Health Care Benefits: New Jersey
Federal law and guidance on this subject should be reviewed together with this section.
Author: John Sarno, Employers Association of New Jersey
Summary
- New Jersey chose not to establish a state-based Marketplace under the Affordable Care Act. See Health Insurance Marketplaces Under the ACA.
- New Jersey has an individual health insurance mandate. See Individual Health Insurance Mandate.
- Same-sex marriage is legal nationwide. New Jersey also recognizes civil unions and domestic partnerships. See Same-Sex Partner Benefits.
- Small employers in New Jersey (2-50 employees) are eligible for participation in the Small Employer Health Benefits (SEH) Program. See The Small Employer Health Benefits Program.
- The SEH program guarantees access to health coverage and prevents the loss of health coverage because of an employee's pre-existing health condition or because of changes in health status. See The Small Employer Health Benefits Program.
- Small employers must meet certain eligibility requirement in order to participate in the SEH program. See Employer Eligibility.
- The SEH program offers five standard small employer health benefits plans, plus a standard HMO plan. See Standard Small Employer Health Benefit Plans.
- Employers are required to provide 30 days' notice in cases of plan termination or when changing health care plans. See Notification of Plan Termination or Plan Changes.
- New Jersey requires many health care mandates. See Mandated Health Benefits, Conditions, Treatments and Procedures.
- New Jersey law requires group health benefits plans and small employer health benefits plans to allow dependents up to age 31 to become covered or continue coverage under a parent's plan. See Coverage for Adult Children.
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