Individual Health Insurance in New Jersey
Stay Covered. Stay Confident.
At BEW Financial Solutions, we help individuals and families throughout North Jersey find reliable individual health insurance—especially when coverage through work or a group plan isn’t available. From ACA Marketplace options to supplemental protection, we’ll guide you through every step with expert, honest advice.
What Does Individual Health Insurance Cover?
Individual health insurance helps you stay protected when life—and health—gets unpredictable. Whether you’re self-employed, between jobs, or retired early, we’ll help you get the coverage you need.
Types of Individual Health Coverage We Help You Explore:
What Does Life Insurance Cover?
Life insurance is more than a payout—it’s a plan that ensures your family’s future stays on track, even if you’re no longer there to lead it. From mortgage protection to legacy planning, the right policy offers financial security and peace of mind.
Types of Life Insurance We Offer:
Term Life Insurance
Affordable, time-limited protection designed to cover your family during key years—like raising children or paying off your home.
Whole Life Insurance
Lifelong coverage that builds cash value over time. A great option for estate planning, final expense coverage, or long-term savings.
Universal Life Insurance
Flexible protection that combines lifelong coverage with adjustable premiums and a savings component.
Final Expense Insurance
A simple, affordable way to ensure funeral costs and other end-of-life expenses are covered—so your family isn’t left with unexpected bills.
ACA (Marketplace) Plans
Coverage through the Health Insurance Marketplace includes essential benefits like doctor visits, preventive care, hospital stays, and prescription drugs.
Catastrophic Coverage
High-deductible, lower-premium plans designed for worst-case scenarios. Best for healthy individuals who need affordable protection.
Short-Term Medical Plans
Temporary coverage for gaps in insurance—ideal during job transitions or while waiting for open enrollment.
Supplemental Insurance Options
Add-on coverage for dental, vision, or specific health conditions (like cancer or accidents) to fill in the gaps left by core plans.
Help With Enrollment
We’ll assist you in setting up your ACA account, reviewing subsidies, and selecting the right plan—without the confusion.
Why North Jersey Residents Choose BEW for Health Insurance
We Treat You Like Family
No pushy sales tactics—just clear, supportive guidance based on your needs, budget, and health goals.
Independent, Not Tied to a Single Carrier
We compare plans across major insurers so you can make a confident, informed decision.
Marketplace Knowledge, Local Support
We know the ACA process inside and out—and we’re here to walk you through it in person or by phone.
Trusted Since 1996
With nearly three decades serving North Jersey, we’ve earned the trust of individuals and families from all walks of life.
What is individual health insurance?
It’s coverage you purchase on your own, not through an employer or group. It includes benefits like doctor visits, preventive care, emergency services, and prescriptions.
Can you help me apply for Marketplace coverage?
Yes! We’ll help you create your ACA account, understand your options, check your eligibility for subsidies, and choose a plan that fits.
What if I missed open enrollment?
You may still qualify for a Special Enrollment Period due to life changes like job loss or relocation. We’ll help determine your eligibility and guide next steps.
Is individual health insurance expensive?
It depends on the plan, income level, and whether you qualify for premium tax credits. We’ll help you find a plan that balances cost and coverage.
Do you offer help with short-term or temporary health plans?
Yes. For gaps in coverage or unexpected needs, we can match you with a short-term medical plan to protect your health and finances.
Let’s Find a Plan That Fits Your Life
We’re here to help you secure health insurance that protects you—without the confusion. Let’s explore your options and get you covered.