When I buy my individual or small group policy, including through New Jersey's health insurance marketplace, will applied behavior analysis (ABA) be covered?
Yes. Insurers that offer new coverage to individuals and small businesses are expected to cover ABA. New Jersey imposes a $36,000 cap on the amount of ABA that must be provided each year by state-regulated health plans. The ACA, however, prohibits annual dollar limits on essential health benefits, and under federal Mental Health Parity law insurers in New Jersey are further prohibited from converting the state's dollar caps into visit limits, such as the number of sessions of applied behavior analysis each year.
Where can I learn more about New Jersey's health insurance marketplace?
The federal government is managing New Jersey's marketplace through healthcare.gov. Learn more here.
Did New Jersey choose to expand its Medicaid program?
Yes. New Jersey expanded its Medicaid program to cover households with incomes up to 133 percent of the federal poverty level. For 2015, that works out to $16,105 a year for individuals or $32,913 for a family of four. Learn more here about your options.