Who is eligible for NJ FamilyCare?
Children 18 and younger may apply for the program, as well as certain low-income parents/guardians.
The income eligibility level for children's coverage is 350% of the
federal poverty level. For example, children in a family of four
with a monthly income of up to $6,432 could be eligible for coverage.
The program is also accepting applications from parents/guardians with
work income up to 133% of the federal poverty level - for instance, a
family of four making up to $2,444 per month. Parents/guardians in a
family making less than this amount may not be eligible because income
such as unemployment, child support and government benefits is counted
differently for parents/guardians.
Eligibility is based on family size and monthly income. Family size includes
children under 21, adoptive and natural parents and their spouses. If
a child is living in a household with a grandparent, guardian, or caretaker,
that person is not included in the family size, and their income is not
taken into consideration when calculating eligibility for NJ FamilyCare,
unless the guardian is also requesting coverage.
Only monthly income, not assets, is considered for eligibility.
To view income eligibility limits for various family sizes, go to
Income Eligibility and Cost. The blue line shows
the maximum income (annual and monthly) that families of various sizes can
have in order to be eligible to apply for parent/guardian coverage. The bottom line
of the chart shows the maximum income for coverage for children.
What if my family makes too much money to qualify for NJ FamilyCare?
Parents/guardians at higher income levels can purchase health insurance for their
children at reasonable rates through the NJ FamilyCare ADVANTAGE program
administered by Horizon NJ Health if they qualify. The cost is $144 per month for
one child; $288 per month for two children; and $432 per month for three or more
children. To learn more, please visit
NJ Family Care Advantage
or call 1-800-637-2997.
Generally, applicants will be eligible for NJ FamilyCare only if they have been
uninsured for a period of three months or more. However, there are exceptions
to this rule, such as if you lost your insurance because your place of work
went out of business or you were laid off. Depending on income, other
exceptions may apply for families privately paying for health insurance
or for COBRA benefits. Call 1-800-701-0710 and speak with a Health Benefits
Coordinator to find out if any exceptions apply to you.
For many families, NJ FamilyCare will be free. Other families will pay
a monthly premium based on their income and small co-payments for some
services.To view premiums, go to What
do I apply?
It is easy! Download an application from this website, or apply online, or
request an application or to receive more information. If you are not
sure you or your children could be eligible, please call us.