Free Health Insurance in New Jersey for Adults

 

We Care

We Care

The WeCare program provides free or subsidized health insurance for low-income families. Eligibility is based on household income and family size. However, the program will provide zero-cost health insurance for parents as household income is 133 percent of the federal level of poverty or less. For a family of three, that means the state will provide cover for the whole family, adults included, if household income is $ 2054 per month or less. However, the income from food stamps, unemployment or child support is counted differently and you can make it even if you are less than this amount.

 

Expectant women

Expectant women

Pregnant women who are entitled to New Jersey residents for free medical insurance as their family’s income are less than 200 percent of the federal poverty level. For a family of four, this is equivalent to $ 44,100 per year. For the mother, this cover extends from pregnancy to 60 days after the birth of the child. The child is eligible for Medicaid assistance for one year, regardless of whether the family’s income changes. The New Jersey Medical Needs Program provides a mechanism for women who have too much money to qualify for benefits under normal rules for “spending down” assets until they qualify. That is, medical expenses can offset income so they can qualify for benefits.

 

Elderly, Blind and Disabled

Elderly, Blind and Disabled

If you are 65 years of age or older, blind or otherwise disabled, and you are a legal resident of New Jersey, you may be able to qualify for New Jersey Care. It is a special program designed for those who adhere to the strict revenue and assets limits. However, most New Jersey residents over 65 will also be eligible for Medicare.

 

Alternatives

The most common way to work for Americans to obtain limited health insurance income is through an employer’s group health plan. If your employer sponsors a group plan, it will typically pay at least half of the premiums. Furthermore, these plans were generally issued with no medical underwriting. You can qualify for these plans regardless of your health provided you are enrolled as soon as possible. If you are unable to work with a healthcare sponsored employer, you can still qualify for a reduced cost insurance by Medicaid, even if your income is greater than the requirement for free coverage.