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Office of the Governor | ICYMI: New Law Establishing the New Jersey Easy Enrollment Health Insurance Program Aims to Improve Access to Affordable Health Coverage for Residents

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ENTON – Constructing on the Murphy Administration’s efforts to increase entry to inexpensive well being protection, Governor Murphy signed laws (A-674/S-1646) on June 30 creating the New Jersey Straightforward Enrollment Well being Insurance coverage Program to make it simpler for residents to acquire medical health insurance by Get Lined New Jersey, the State’s official medical health insurance market.

“New Jersey has made nice strides in guaranteeing extra residents have entry to inexpensive medical health insurance. Greater than 324,000 New Jerseyans signed up for well being protection by Get Lined New Jersey through the Reasonably priced Care Act Open Enrollment Interval—a report excessive in New Jersey,” stated Division of Banking and Insurance coverage Commissioner Marlene Caride. “I wish to thank Governor Murphy for signing the New Jersey Straightforward Enrollment Well being Insurance coverage Program into legislation—that is one other step ahead that reduces limitations to well being protection. Enrolling extra residents in well being plans will result in higher well being outcomes for New Jersey households.”      

The division will work with the departments of Human Providers, Labor and Workforce Improvement, and Treasury to implement this system with the aim of streamlining entry to Get Lined New Jersey and growing affordability of medical health insurance within the state.        

By way of this program, uninsured and underinsured residents can point out their curiosity in protection for themselves or a family member on their tax return or by unemployment insurance coverage profit claims, which might be shared with the New Jersey Division of Banking and Insurance coverage.    

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As required by the laws, the division will create a system to investigate the information collected by tax returns and unemployment profit claims to find out a resident’s eligibility for medical health insurance protection and talent to obtain monetary assist by Get Lined New Jersey and proactively join with qualifying residents to assist them enroll. The legislation additionally permits the division to work with the Division of Human Providers to find out a person’s eligibility for NJ FamilyCare and share information with the company for that evaluation.          

“This can be a sensible, proactive strategy that can assist make well being care extra accessible to all residents,” stated Division of Human Providers Commissioner Sarah Adelman. “Whereas the State has made large progress in getting extra New Jerseyans lined, there are nonetheless folks with out medical health insurance who’re eligible for inexpensive well being protection by Get Lined New Jersey or NJ FamilyCare and will not notice it. Everybody deserves entry to high quality well being care and we’re excited to associate with DOBI to bridge this hole and make well being protection a actuality for all New Jerseyans.”         

“Supporting our workforce means ensuring they’ve entry to each useful resource obtainable to assist them look after themselves and their households,” stated Division of Labor Commissioner Robert Asaro-Angelo. “We sit up for working with our associate companies to convey Get Lined New Jersey to the folks it would profit essentially the most.”      

“Entry to inexpensive well being protection is a fundamental human proper,” stated State Treasurer Elizabeth Maher Muoio. “This program will make it easy for New Jerseyans to entry high quality medical health insurance, enabling them to extra simply prioritize their well being and wellbeing. Treasury is happy to work with our associate companies to launch this program and cut back limitations to healthcare in our communities.”  

The Shared Duty Fee, which New Jersey taxpayers are required to pay if they’re uninsured, might be waived by the Division of Treasury for any particular person who enrolls and maintains protection after checking the field for the Straightforward Enrollment Well being Insurance coverage Program whereas they endure the enrollment course of. The taxpayer should preserve protection following enrollment to keep away from being answerable for the Shared Duty Fee. 

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Sponsors of the laws embrace Senators Teresa Ruiz and Nellie Pou, and Meeting members Anthony Verrelli, Angela McKnight and John McKeon.        

“As of 2019, 692,000 New Jerseyans had been with out medical health insurance. It’s essential that we proceed to do all that we will to convey that quantity down and join eligible residents to backed protection,” stated Senator Teresa Ruiz. “This program will jump-start the applying course of, permitting residents to easily verify a field and get data on their eligibility for low-cost choices. Related packages have seen nice success in different states across the nation and I’m hopeful it would enhance enrollment in medical health insurance right here in New Jersey.”      

“By way of this program, the Division of Banking and Insurance coverage will be capable of determine people and households who could also be eligible for backed medical health insurance and information them by the applying course of,” stated Senator Nellie Pou. “It will go a great distance in connecting as many eligible people as doable to much-needed protection.”     

“With out medical health insurance, people could not be capable of entry the medical companies or prescribed drugs they want, and an unanticipated accident or sickness may critically affect one’s monetary safety, making it essential to make sure certified people are in a position to enroll within the insurance coverage packages obtainable to them,” stated Meeting members Anthony Verrelli, Angela McKnight and John McKeon. “With the New Jersey Straightforward Enrollment Well being Insurance coverage Program, we will attain out to extra of the State’s uninsured residents to supply them with precious data and the help they should receive medical health insurance. This program has the potential to make an enormous distinction in residents’ lives not solely by increasing entry to healthcare, but in addition by reducing premiums for everybody because of higher enrollment.” 

To make sure protection is accessible and inexpensive for extra residents, Get Lined New Jersey presents monetary assist to many New Jerseyans to decrease medical health insurance prices. The success of this yr’s open enrollment was bolstered by a big enhance in monetary help made doable by each the American Rescue Plan Act and state subsidies, referred to as New Jersey Well being Plan Financial savings. 9 out of 10 residents enrolling at Get Lined New Jersey qualify for monetary assist.           

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“EZ Enrollment is one other instance of presidency working effectively and doing good for extraordinary folks,” stated Maura Collinsgru, Director of Coverage and Advocacy at NJ Citizen Motion. “Establishing an automated enrollment system for uninsured tax filers will assist shut the protection hole and guarantee extra New Jerseyans have the protection they want, particularly working households who could not in any other case concentrate on their protection choices or have the time to enroll. We thank the Governor and Legislature for taking this necessary step and sit up for this system being up and working in 2023.”                    



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New Jersey

What is digital ID and why doesn’t New Jersey have it?

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What is digital ID and why doesn’t New Jersey have it?


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In the age of digital wallets and contactless convenience, a growing number of states are embracing the option to add driver’s licenses and state IDs to Apple Wallet. 

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These digital IDs can be added to iPhone users’ Wallet app alongside digital credit cards, boarding passes and event tickets.

New Jersey, though, isn’t one of them.

What states have Apple Wallet IDs?

As of now, several states have partnered with Apple to enable digital IDs. They can be added directly to Apple Wallet and used in airports, businesses, or government offices.

For instance, TSA checkpoints at several airports, including LaGuardia, JFK and Newark Liberty, already take digital IDs, and more are being added.

But, New Jersey doesn’t yet have digital driver’s licenses.

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In early 2024, state lawmakers moved a bill directing the state’s Motor Vehicle Commission to develop digital driver’s licenses. But that measure gives the state six years to make it happen. The bill is winding its way through the legislative process.

Apple, though, continues to expand partnerships with more states to create Wallet-compatible IDs. 

Connecticut, for example, was one of the first states to announce a digital ID rollout but hasn’t yet launched it. Lawmakers in West Virginia, New Mexico and Montana have said digital driver’s licenses are a priority.



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New Jersey

Fresh snow coats some North Jersey towns for a white Christmas

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Fresh snow coats some North Jersey towns for a white Christmas



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New Jersey experienced a frosty December — and Christmas has proved no exception.

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Christmas morning temperatures accross the Garden State dipped into the low to mid-20s in much of the state, and even into the teens in higher elevations, forecasters said. While most towns saw little to no overnight snow accumulation, some lucky areas awoke to a white Christmas.

How much snow did North Jersey see?

Snowfall leading up to Christmas was light but enough to dust parts of the state with festive flurries. Bergenfield reported one of the highest accumulation, measuring 1 inch of snow on Christmas Eve. Nearby, Ramsey recorded 1.1 inches, and Sparta with 1.6 inches of snowfall.

In New Providence, Paramus and Stewartsville, snow totals were less than an inch, with each town reporting between 0.6 and 0.8 inches. Somerset logged an inch, while Wantage received 1.3 inches.

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For those dreaming of a white Christmas, Bergenfield, Ramsey, Sparta and Wantage offered picturesque views, with enough snow to blanket the ground in holiday cheer. Meanwhile, other areas in the state settled for a chilly but snow-free holiday.

Whether blanketed in white or simply bundled up, New Jersey residents should brace for continued cold as the year comes to a close.



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A Modest Theory About Those Drones Over New Jersey

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A Modest Theory About Those Drones Over New Jersey


The welter of stories about unidentified drones over New York and New Jersey multiply, as do the myriad speculations. Thus far the narratives fall into three categories: private drones, those deployed by hostile foreign actors, those belonging to US authorities on a shadowy unacknowledged mission. The media has taken up the cause and the story has gone mainstream, with baffled officials furnishing no unified explanation – and President elect Trump weighing in. This installment of the column will add one more theory to the growing noise, but a theory grounded in full context, covering all the known facts and hopefully all the more plausible for that albeit.

To begin with, let us dismiss the private drone scenario quickly. Any private entity causing such panic would soon admit it and apologize for fear of being found out. The authorities via satellite would know whence they came, track them and reveal the facts. Next, the foreign actor theory – again, as Donald Trump says, the military or intelligence people would know. They might stay silent about it for fear of provoking a confrontation with a foreign power. The US is, sadly, prone to such deliberate passivity, the latest example being the Havana Syndrome findings by Congress which rejected the intelligence community’s previous report that the Syndrome doesn’t exist and no foreign power is responsible. The recent ad hoc Congressional Committee officially found that the Havana Syndrome is real and a foreign state is likely behind it.

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So, back to the drones: do the authorities know that a foreign power is responsible for the drone outbreak but won’t say so? Timing is everything in such events. The Biden White House, as we have seen with aid spikes to Ukraine and granting permission to hit inside Russia, is not shy of adding last minute foreign policy complications to the incoming administration. Were it a hostile power, we would know all about who unleashed the drones. Which leaves the third and last category, that the drone phenomenon was a government initiative which authorities do not wish to acknowledge, a stealth operation that went public inadvertently. As this column is focused on geostrategic affairs, the possible explanation falls into its bailiwick.

Nobody has quite understood why the US and Germany refused, until recently, to allow Ukraine to use allied weapons to strike inside Russia (Germany still refuses). All manner of theories have swirled but nothing coherent obtained, other than an abiding fear of Russian retaliation. Yet Washington gave the go-ahead for Ukraine to use American weapons across its border in recent months, especially after Trump’s electoral victory. Did the Russian threat to retaliate against the US diminish? Did the US suddenly get safer? And why did it take so long to grant permission? The truth is, any sort of highly visible and attributable strike against the US was never a risk because Moscow would have suffered devastating retaliation. But an anonymous catastrophe in a major US city would work. A kind of secret Samson Option, or hidden nuclear device in Germany or America should Russian soil be bombed by allied weapons. The great efficacy of such a threat lies not in its use but entirely in the threat, the ambiguity. And the restraint or doubt it induces.

Nor should the threat be too visible or public. Anything that detonates massively raises an outcry, puts pressure on the authorities to find a return address, a clear culprit. No foreign power would risk such a big provocation that it would be identifiable and cause retaliation. Witness 9/11. One has to conclude, therefore, that the real version of such a threat would be scary rather than hugely destructive. The device would need to be constructed discreetly and stowed or delivered equally discreetly. And no foreign state actor would take responsibility. So, a small radiation device fits the bill. And this is precisely what New Jersey officials have been saying about the drone activity, namely that it’s our side looking for a small medical isotope gone missing, one that was aboard a container ship and went missing. But a federal agency has just denied the US was flying drones in search of nuclear radiation. All of which is standard procedure for stifling panic.

Finally, there’s this: the foreign actors would not deliver a direct threat. They would retain deniability, as in the Havana Syndrome. If, indeed, it’s a radiation device, nobody knows who was behind it, though the technical sophistication suggests only rival superpowers qualify as suspects. Which brings us back to the Russian dark ops and the inexplicable restraint of the Biden White House over helping Ukraine.

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