New Jersey plans to roll out a state-based health insurance exchange by 2021. This may add more stability to its exchange enrollment since it gives the state an advantage of having higher flexibility to run its open enrollment and draw back its lost market share. Reestablishment of its own individual mandate as well as a reinsurance program lessen premium increases on the exchange for 2019, although those measures failed to halt enrollment declines. Horizon BCBS of New Jersey, the state's largest insurer, has won an exclusive contract for the New Jersey active employees and retirees. Low- and no-premium Medicare Advantage plans continue to be the most popular choice among seniors in the state, but competition will grow for 2020. On the commercial insurance front, tiered-network plans have caught fire with individuals and employers. The state is taking measures to battle the COVID-19 pandemic.

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