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State’s Hybrid Health Insurance Exchange Ready to Launch

Lilo Stainton | October 9, 2019 | NJ Spotlight |


A joint federal-state system, the first phase in New Jersey’s assertion of control over health insurance sold on the individual market, is just weeks away

The Trump administration has given New Jersey officials formal approval to create a hybrid federal-state health insurance exchange for the hundreds of thousands of individual market consumers expected to seek coverage for next year — and it is scheduled to open for business in less than a month.

The hybrid model is a first step in the state’s multiyear process to assert greater control over this system; under the plan, New Jersey will take full charge of the exchange and launch its own website in order to sell policies for 2021.

For the 2020 plans — on sale from Nov. 1 through Dec. 15 — the Trump administration’s approval gives the Garden State greater control over the enrollment process and plan design; the state has already committed to spend more than twice what it did last year on public outreach and sign-up assistance. But consumers will still need to purchase products through the federal website and depend on officials in Washington, D.C. to approve their application.

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