A Message From Tom On Expanded Health Care Coverage

Dear Neighbor,

Did you know that the American Rescue Plan, which Congress passed in April, includes the biggest improvements in health care coverage since the passage of the Affordable Care Act? The new law lowers monthly insurance premiums for millions of middle class Americans who previously did not qualify for subsidies, and expands coverage to millions more who are currently uninsured. 

One of the main requests I’ve heard from constituents is that we need more affordable health care. The new law delivers that for New Jerseyans in the following ways:

First, many more people can now qualify for subsidies if they have to shop for marketplace coverage, and no one will have to pay more than 8.5 percent of their income for health insurance. For example:

  • A family of four in New Jersey making $120,000 a year previously paid, on average, $1,295 a month for benchmark coverage, or around 13% of their income. With that 8.5% cap on premiums, they’ll now owe $850, saving $445 a month. 

Second, those who already qualify for subsidies will get more help than before. For example:

  • A typical 60 year old couple making $60,000 a year previously paid about $492 a month for benchmark coverage. With the changes from the American Rescue Plan, they’ll now be paying $360, saving $132 a month. 

New Jerseyans who don’t have health insurance can go to getcovered.nj.gov right now to sign up for coverage. If you already have marketplace coverage, you can go to the same site to renew it at the lower rates. While enrollment is open until the end of the year, the sooner people sign up, the sooner they will have coverage and access to the new savings. You can learn more about these benefits, and other provisions of the American Rescue Plan by visiting malinowski.house.gov/american-rescue-plan.

My staff and I remain committed to serving the residents of New Jersey’s 7th District during these challenging times. If you require assistance accessing federally guaranteed benefits our office may be able to help. Give us a call at (908) 547-3307, or visit malinowski.house.gov/help-federal-agency.

And please keep your ideas for a better America coming.


Hope to hear from you soon,

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Congressman Tom Malinowski