State guide
How to pay less for medication in New Jersey
The state programs and rules that affect what you pay for prescriptions in New Jersey, plus the nationwide help that works everywhere.
| Medicaid expansion | Yes |
| State insulin copay cap | $35 per 30-day supply (state-regulated plans) |
| Health insurance marketplace | Get Covered New Jersey |
| State drug help programs | Pharmaceutical Assistance to the Aged and Disabled (PAAD) (Seniors and people with disabilities) Senior Gold Prescription Discount Program (Seniors) |
Medicaid in New Jersey
New Jersey expanded Medicaid. Adults under 65 with income up to 138% of the federal poverty level can qualify, and most prescriptions cost little or nothing.
You can apply for Medicaid any time of year. Find your state agency through Medicaid.gov.
Insulin
New Jersey caps insulin at $35 for a 30-day supply in state-regulated health plans. Many job-based plans are self-funded and regulated federally instead, so ask your plan whether the cap applies to you.
State drug help programs
The National Conference of State Legislatures lists these programs in New Jersey:
- Pharmaceutical Assistance to the Aged and Disabled (PAAD): seniors and people with disabilities
- Senior Gold Prescription Discount Program: seniors
State programs change. Search the program name with “New Jersey” to confirm it’s still running and check who qualifies.
HIV medication
New Jersey runs an AIDS Drug Assistance Program (ADAP) that helps pay for HIV medication. See HIV.gov to find it.
On Medicare in New Jersey?
- Your State Health Insurance Assistance Program (SHIP) gives free, unbiased Medicare help. Find it at shiphelp.org or call 877-839-2675.
- Check whether you qualify for Extra Help, which can cut copays to a few dollars.
- Open enrollment runs October 15 to December 7. Use our checklist.
Help that works in every state
- Look up your medication for its drugmaker program, generics and cash prices.
- Community health centers in New Jersey charge by income.
- Six ways to pay less, and what to do with no insurance.
Common questions
Did New Jersey expand Medicaid?
New Jersey expanded Medicaid. Adults under 65 with income up to 138% of the federal poverty level can qualify, and most prescriptions cost little or nothing.
Does New Jersey cap insulin costs?
New Jersey caps insulin at $35 for a 30-day supply in state-regulated health plans. Many job-based plans are self-funded and regulated federally instead, so ask your plan whether the cap applies to you.
Where do I buy a Marketplace health plan in New Jersey?
New Jersey runs its own marketplace, Get Covered New Jersey.
Sources: KFF (Medicaid expansion) · American Diabetes Association (insulin caps) · NCSL (state programs) · healthinsurance.org (marketplaces). Last checked October 1, 2026.
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