NJ FamilyCare, New Jersey’s publicly funded health insurance program, ensures that eligible NJ residents have access to affordable healthcare. It’s crucial to understand the eligibility requirements to determine if you or your family can benefit from this program. Everyone in New Jersey can apply for NJ FamilyCare, and financial eligibility is primarily determined by your Modified Adjusted Gross Income (MAGI) as verified through your latest federal tax return.
Eligibility for Children Under 19
Children under the age of 19 can qualify for NJ FamilyCare even with higher family incomes, up to 355% of the Federal Poverty Level (FPL). For a family of four, this translates to approximately $9,512 per month. It’s important to remember that parents need to renew coverage annually. Crucially, children are eligible for NJ FamilyCare regardless of their immigration status, ensuring healthcare access for all children residing in New Jersey.
Eligibility for Adults Age 19-64
Adults between the ages of 19 and 64 are eligible for NJ FamilyCare with incomes up to 138% of the FPL. This income limit is around $1,800 per month for a single person and $2,433 per month for a couple. Immigration status plays a role for adults in this age group. Generally, immigrant adults must hold Legal Permanent Resident status for at least five years to be eligible for NJ FamilyCare. However, certain lawfully present immigrants, such as refugees and asylees, may qualify regardless of their entry date. Furthermore, lawfully present immigrants aged 19 and 20 with very low incomes (around $509/month for a single person and $805/month for a family of two) may also be eligible.
Eligibility for Pregnant Individuals
Pregnant individuals in New Jersey can qualify for NJ FamilyCare with incomes up to 205% FPL, which is about $5,493 per month for a family of four. Lawfully present pregnant individuals are eligible irrespective of their date of entry into the United States, ensuring access to prenatal care and health coverage during pregnancy.
Eligibility for Seniors, Blind, and Disabled Individuals, and those with Medicare
Individuals over the age of 65, those who are blind or disabled, individuals requiring long-term care, and adults aged 19-64 who already have Medicare may also be eligible for NJ FamilyCare. For more detailed information regarding these categories, please refer to the New Jersey Department of Human Services website.
Understanding Modified Adjusted Gross Income (MAGI) for NJ FamilyCare
NJ FamilyCare eligibility is determined using Modified Adjusted Gross Income (MAGI). This calculation simplifies income verification by utilizing your latest federal tax return. Household size is also determined based on your tax return, streamlining the application process and making it easier to assess financial eligibility for New Jersey Family Care.
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