Monitoring the Impact of Health Reform on the New Jersey Individual Health Coverage Market

In 2014, the New Jersey individual health insurance market underwent major changes. “Basic and Essential” plans, which offer only limited benefits and currently constitute over 70% of this market, are no longer available. Further, large numbers of individuals are entering this market, many through the new Federally-Facilitated Marketplace. This project examines the changes in New Jersey’s individual market in a year when many consumers are changing plans, with the aim of understanding consumer purchasing experiences and changes in market composition (e.g., demographics, health status). Findings will inform policies directed at providing consumers with the information they need to shop for coverage and assuring robust and stable risk pools in the individual market.