The cost of health insurance is way too high. Use the following tools to determine the best option for your needs. If you are new to Rutgers or have a qualifying life event, consider these options prior to whenever the open enrollment is scheduled.
We anticipate the next open enrollment period October 2026. Online Town Halls and Clinics will be scheduled for union members to learn more about the specifics of the plans through the Coalition of Rutgers Unions.
| Cost Calculators | |
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| Horizon Calculator | Aetna Calculator |
Update for 2026
Union Negotiated Plans: Premiums are based on percent of salary and therefore cost increases are controlled
- 26 Aetna Freedom
- 26 Horizon Direct
- 26 Horizon NJ DIRECT
- 26 Aetna HMO
- 26 Horizon HMO
- 26 Aetna Liberty Plus
- 26 Horizon OMNIA
Legacy Plans: Increases in premiums are passed along to you as a participant
- 26 Horizon NJ DIRECT 15
- 26 Aetna Freedom 15
- 26 Aetna Freedom 1525
- 26 Horizon NJ DIRECT 1525
- 26 Aetna Freedom 2030
- 26 Horizon NJ DIRECT 2030
- 26 Aetna Freedom 2035
- 26 Horizon NJ DIRECT 2035
- 26 Aetna Freedom 1525
- 26 Aetna Freedom HDHigh
- 26 Horizon NJ DIRECT HDHigh
- 26 Aetna Freedom HDLow
- 26 Horizon NJ DIRECT HDLow
Side-by-Side Comparison of Medical Plans
Examples of “Qualifying Life Event”
Marriage or divorce: You can add a spouse to your coverage or remove them.
Birth or adoption: You can add a newborn or newly adopted child to your plan. You typically have 60 days from the birth to add the child.
Death of a family member: You may need to make changes to your coverage or beneficiary.
Change in employment status: This can be your own status change or your spouse’s, which might affect eligibility for benefits.
Loss or gain of other coverage: This could be due to a spouse’s job loss or gaining coverage through another source.
Turning 26: Losing coverage under a parent’s plan is a qualifying event.
Remember: Take Advantage of Financial Rewards For Maximizing Your Wellness and Fitness
Download one-pager (updated July 2026)
