My first recommendation is for you to visit the website of your state's insurance department where you'll probably find a list of New Jersey health insurance companies. The insurance department might also provide tips on what kinds of plans suit your budget. Your state's insurance department might also have insurance-company complaint records which you might be able to access and might help you to choose the best insurance carrier. Most New Jersey health insurance companies usually provide information on the different individual health policies they offer. It's easy to get quotes from these companies to compare insurance rates and coverage of each plan. Several insurance companies prefer to deal directly with possible policyholders especially in some very restrictive states, so it might be better to check out these insurance companies yourself. When shopping for affordable health insurance, you should always look at how co-pay works, review pre-eisting conditions eclusions, and find out how much the deductible is for each insurance policy. This will help you figure out and prepare for the cost of you and your wife's insurance plans. It's free to get this information from the companies through quotes. You also have the option to contact an independent insurance agent to help you search for a New Jersey insurance plan. The agent can endorse several individual health plans that you and your wife might be interested to get. Make sure that the agent knows your health care requirements and budget so he can find you suitable health plan options. - June 26, 2009 @ 9:54 am