Important info and updates

We track ACA law updates, federal rulings, and state-level changes in New Jersey so you don’t have to. These updates impact your premiums, coverage access, and eligibility.

Current Highlights:

• 🧾 Medicaid Redeterminations in NJ (Unwinding 2025) If you recently lost Medicaid, you may still qualify for free or low-cost ACA coverage. Check eligibility through NJ FamilyCare or explore special enrollment options.
  

• 📆 ACA Open Enrollment 2026 Begins Nov 1 The next Open Enrollment period runs from November 1, 2025, through January 15, 2026. See if you qualify for enhanced subsidies on GetCoveredNJ.
  

• 🌐 DACA & Health Coverage Access (Proposed) New federal rules may expand ACA eligibility to DACA recipients. Read the CMS proposal or contact us for updates on private plan options in the meantime.
  

• 💸 IRS Updates 2025 ACA Income Guidelines New FPL levels mean you might now qualify for tax credits—even if you didn’t before. Review the latest income chart on IRS.gov.
  

🔎 Stay current with in-depth breakdowns on our ACA News & Policy Blog.

Whether you’re applying for the first time or navigating a complex situation (immigration, job change, family growth), we’re here to help you understand your options and take action.

Start with These Key Guides:

• 📘 How to Get Health Insurance in NJ – Overview of the enrollment process from start to finish.
  

• 🧾 How ACA Tax Credits Work – See how your income affects what you pay.
  

• 🌍 International Student Health Insurance – Affordable plans for F1, J1, and OPT visa holders.
  

• 🔄 Life Events That Trigger Special Enrollment – Marriage, birth, loss of job-based coverage, and more.
  

• 🌎 Health Insurance for Immigrants – Available in Spanish, Portuguese, and Haitian Creole.
  

Visit HealthCare.gov for additional ACA resources or use the Subsidy Estimator Tool to see your savings.

We help you avoid missed opportunities that could cost you coverage or financial aid.

Deadline

Action Needed

July 31, 2025

Medicaid re-verification deadline (NJ FamilyCare)

Nov 1, 2025

ACA Open Enrollment 2026 begins

Jan 15, 2026

Final deadline to enroll, renew, or change a plan

Year-round

Special Enrollment Periods for qualifying life events

🗓️ Subscribe to Enrollment Alerts and never miss a critical deadline.

At Health Benefits 360, we are proud to serve:

• Immigrant and mixed-status families
  

• Self-employed and low-income workers
  

• Students and new arrivals
  

• Parents, caretakers, and those aging off Medicaid
  

We provide:

• Free enrollment assistance
  

• Bilingual support in Spanish, Portuguese, and Haitian Creole
  

• In-person and virtual appointments
  

• Community partnerships with schools, nonprofits, and faith-based orgs
  

Read our story: Meet the HB360 Team and learn how our family legacy fuels our mission.

Navigating health insurance doesn’t have to be hard. Whether you're enrolling, renewing, or just exploring your options — we’re here for you.

📞 Call or text us: (973) 315-7897 📧 Email: info@healthbenefits360.com 📝 Start now: Request Enrollment Help

Health Benefits 360 is committed to delivering compassionate, clear, and culturally competent health insurance education and support to underserved communities across New Jersey.