In New Jersey the department that issues your producer license also runs the state health exchange. That is unusual, and it means one agency's website covers two things an agent working this state needs: the license, and the platform where an ACA enrollment actually happens.
One department, two things you need
The regulator is the New Jersey Department of Banking and Insurance, NJDOBI, at nj.gov/dobi. It regulates banking through its Division of Banking, insurance through its Division of Insurance, and real estate through the New Jersey Real Estate Commission. Producer licensing, company oversight and consumer complaints all sit there.
The same department operates GetCoveredNJ, the state's own health insurance marketplace. So when you set up to buy ACA calls in New Jersey, the licensing check and the marketplace onboarding start in the same place instead of two.
GetCoveredNJ and the enrollment calendar
New Jersey runs a state based marketplace on its own platform rather than healthcare.gov, and that is the 2026 plan year arrangement. Its calendar is set by the state, not by the federal exchange: GetCoveredNJ publishes an open enrollment window running November 1 through January 31, which is longer than the federal deadline in most states, with special enrollment periods for qualifying life events from February 1 through October 31. Confirm the current window on the exchange before you build a season around it.
That calendar is worth planning your buying around. Outside open enrollment, an ACA call in New Jersey is a special enrollment conversation, which means the qualifying event is the first thing an agent needs to establish. If your team treats every ACA call the same way year round, the off season calls will convert badly and it will look like a call quality problem when it is a training problem.
- Platform
- GetCoveredNJ, the state's own marketplace, rather than healthcare.gov.
- Operator
- The Department of Banking and Insurance, the same agency that issues your license.
- Open enrollment
- Published as November 1 through January 31, later than the federal deadline in most states.
- Off season
- Special enrollment periods run February 1 through October 31 for qualifying life events.
Recording a New Jersey call
New Jersey is a one-party consent state. The consent of at least one party to the call is enough to record it, unless the recording is made for the purpose of committing a criminal or tortious act. Callmart records inbound calls and buyers review and download available recordings in the workspace, with no live listen in, barge or whisper.
As everywhere, your agent's own location is half the question. A New Jersey consumer plus an agent sitting in an all-party state means you follow the stricter rule, and a standing disclosure across the whole desk is the simplest way to stop having the conversation at all.
Clock, geography and buying setup
New Jersey is Eastern time statewide and observes daylight saving, so the federal 8:00 a.m. to 9:00 p.m. called-party window is your own clock on an Eastern desk. Newark, Jersey City, Paterson and Elizabeth are the largest municipalities, and the state is dense enough that drive time to a local agent office is rarely the objection it is in a rural state.
Media geography matters for a CTV campaign here. The northern half of the state looks toward New York and the southern half toward Philadelphia, so a consumer who calls after seeing a streaming ad may be describing something an agent in the middle of the state has never seen. Screened inbound calls start at $25 and CTV calls start at $50 per connected call, and your approved workspace shows which campaigns are actually available to your account.
- Newark, Jersey City, Paterson and Elizabeth are the largest municipalities.
- Eastern time statewide with daylight saving, so availability needs no conversion.
- One-party consent, unless your own agent sits in a stricter state.
General information for call buyers, not legal advice. Recording consent, marketplace rules and licensing requirements change and are enforced by state. Confirm your obligations with your own counsel and with the New Jersey Department of Banking and Insurance.
Common questions
01Does New Jersey use healthcare.gov?
No. New Jersey runs its own marketplace, GetCoveredNJ, operated by the Department of Banking and Insurance, for the 2026 plan year. GetCoveredNJ publishes an open enrollment window of November 1 through January 31, with special enrollment periods for qualifying life events from February 1 through October 31. Check the exchange for the current year before you plan staffing.
02Is New Jersey a one-party consent state?
Yes. The consent of at least one party to the call is enough to record it, unless the recording is made for the purpose of committing a criminal or tortious act. If your agent is located in an all-party state, follow that stricter rule and disclose the recording.
03Which agency licenses insurance producers in New Jersey?
The New Jersey Department of Banking and Insurance at nj.gov/dobi. The same department regulates banking and real estate, and it also runs the GetCoveredNJ marketplace, so licensing and marketplace onboarding both start with the same agency.
04How should buying change outside open enrollment in New Jersey?
Off season ACA calls are special enrollment conversations, so agents need to establish a qualifying life event early. Many desks lower daily limits on ACA campaigns outside open enrollment and shift budget toward Medicare or final expense instead.