Northwest New Jersey Community Action Partnership
Apply for a program
Apply for a program
Apply for a program
Apply for a program
Apply for a program
Apply for a program

Sign up for Healthcare Before December 15th
Program of the Month
The Affordable Care Act (ACA) is still law, despite many attempts to repeal it, people who buy health insurance through the individual marketplace can begin shopping now for coverage for 2018. Open enrollment will also begin for low-income people who qualify for Medicaid.  Federal open enrollment began on November 1 and ends on December 15. This is the only time of year many people will be able to purchase coverage from the marketplace.  The outreach and enrollment efforts have been reduced and many people who most need insurance may not be aware it’s available and affordable. 
Individuals and families can purchase health insurance through the federal marketplace ( or your state marketplace. These plans cover a guaranteed benefit package, and financial help is available based on income and family status. 

When open enrollment ends, most people won’t have another opportunity to buy 2018 coverage from the marketplace. There is only a small number of qualifying “life changes” that can trigger changes later in the year. However, Medicaid enrollment remains year-round. 
Tax credits and cost-sharing reductions (CSRs) are still available for those enrolling through the marketplace. Generally, people earning 100 to 400 percent of poverty will be eligible for tax credits to reduce their monthly premium payments. People earning 100 to 250 percent of poverty will also be eligible for CSRs to reduce their out-of-pocket costs, such as co-pays and deductibles. (or your state’s marketplace) makes it easy to compare health plans in a geographic area.  Free in-person help is available from trained professionals. If an individual has questions or wants help with their application, they can visit to find in-person assistance. Or they can call 1-800-318-2596 to ask questions and apply through the national Call Center. The Call Center offers help in many languages. 

Heating an apartment or home can be very stressful as when move into the cooler weather.  At NORWESCAP we have a few different programs that focus on conserving energy, assistance with heating costs (LIHEAP and USF), and heating improvement programs. 

Still, we always look for additional resources during the heating season.  If you wish to be a donor to help a neighbor with heating costs, or if you are concerned about being able to afford your heating costs, please contact us at

Additional program eligibility and benefit information can also be obtained here:

If you would like to get more involved helping others this winter, please call us at 908-454-7000, ext. 110

Northwest New Jersey Community Action Program Inc.
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[see all news and events]