Chinese-Speaking Health Insurance Agent in New Jersey
Dongni Chen (Anny) is a licensed health insurance agent who speaks Chinese (Mandarin and Cantonese) and English. She helps individuals and families in North Jersey, Central Jersey and the rest of the state compare and enroll in Obamacare (ACA) plans through Get Covered New Jersey, the state’s official marketplace.[1] Working with a licensed agent costs nothing extra: agents are paid by the insurance companies, and your premium is the same as enrolling on your own.[2][3]
Looking for a health insurance broker in New Jersey?
In New Jersey, the license to sell health insurance is an insurance producer license, and Dongni Chen is a licensed producer (agent). Like a broker, she compares plans from several insurance companies rather than selling for one, and her help costs nothing extra.[2][3]
2027 Open Enrollment in New Jersey
How much does Obamacare cost in New Jersey?
For a 40-year-old with $30,000 in annual income who qualifies for a subsidy, the estimated Silver premium after the federal subsidy is about $155 a month anywhere in New Jersey, before New Jersey’s own state subsidy. Bronze and Gold depend on where you live:[5]
| Area | Bronze | Silver | Gold |
|---|---|---|---|
| North Jersey / Fort Lee | $80 | $155 | $309 |
| Central Jersey / Edison | $61 | $155 | $309 |
| Princeton | $61 | $155 | $309 |
ZIP codes used: North Jersey / Fort Lee 07024 (Bergen County); Central Jersey / Edison 08820 (Middlesex County); Princeton 08540 (Mercer County).
Not including New Jersey Health Plan Savings, the state subsidy. Under the 2026 amounts it would lower this by about $40 a month; 2027 amounts are still under review by the state and will be added when published.[1][4]
Estimates use 2026 premiums with 2027 subsidy rules, and will be updated when 2027 premiums are published. A $0 premium does not mean free care: deductibles and copays still apply.
More household examples (in Chinese): North Jersey Obamacare prices · Central Jersey Obamacare prices.
Things to know in New Jersey
- State subsidy. New Jersey adds its own premium help, called New Jersey Health Plan Savings, for eligible residents with household income up to 600% of the poverty level.[1] The 2027 amounts are still under review, so they are not included in the prices above.[4]
- State penalty. New Jersey requires residents to have health coverage or pay a Shared Responsibility Payment on their state tax return. It is based on income and family size and capped at the statewide average Bronze premium; for tax year 2025, it is between $695 and $4,908 for one person.[6]
- NJ FamilyCare. New Jersey’s Medicaid and CHIP program is NJ FamilyCare. Adults with lower income are usually screened for NJ FamilyCare first.[2]
- Immigration status. Starting in 2027, among non-citizens only green card holders and two other small groups can get federal subsidies; H-1B, F-1 and most other visa holders can still enroll at full price.[7]
Areas served in New Jersey
North Jersey (Fort Lee)
Dongni helps families in Fort Lee, Paramus and the rest of Bergen County. See Chinese-speaking doctors in North Jersey and North Jersey Obamacare prices (in Chinese).
Central Jersey (Edison / Princeton)
She also helps in Edison, Princeton, Piscataway and East Brunswick. See Chinese-speaking doctors in Central Jersey and Central Jersey Obamacare prices (in Chinese).
South Jersey, including Cherry Hill, and the rest of New Jersey are served as well (Chinese-speaking doctors in South Jersey, in Chinese). Help is by phone, WeChat and email, so anywhere in New Jersey works.
Licensed and verifiable
- Licensed insurance agent Dongni Chen, NPN 20635222.
- New Jersey license #3003094055. Texas license #3102037. California license #4277633. Licensed in 28 states.
- Certified by Get Covered New Jersey to help residents enroll.
This website is owned and maintained by Dongni Chen and is not affiliated with Get Covered New Jersey.
Common questions
Do I pay more if I use an agent?
No. Agents are paid a commission by the insurance companies. The plan and the premium are the same as enrolling on your own.[3]
Is there an office I need to visit?
No. Dongni works by phone, WeChat and email, so you can enroll from home anywhere in New Jersey.
Contact Dongni
Call (213) 322-8909, add WeChat 咚咚在美国（Anny） by QR code, or email dongnichen001@gmail.com. Mandarin, Cantonese or English is fine.
Also: Chicago and Illinois · California (Covered California) · All states
Sources
Sources checked on October 14, 2026. Links open in a new tab. Rules may change; the official sources are final.
- [1] NJ Department of Banking and Insurance: press release (Aug 10, 2026). “Get Covered New Jersey is the State's Official Health Insurance Marketplace”; “will run from November 1, 2026, through January 31, 2027.”; “State subsidies, called NJ Health Plan Savings, remain available to qualifying residents with household incomes up to 600% of the Federal Poverty Level.”
- [2] Get Covered New Jersey: Frequently asked questions. “If you enroll by December 31, your coverage will start January 1.”; “free help from a certified assister or broker”; “In New Jersey, NJ FamilyCare is the Medicaid and Children's Health Insurance Program (CHIP).”
- [3] HealthCare.gov: Get help applying for health insurance. “They may be paid a commission by health insurance plans when they help enroll you in…”
- [4] NJ Department of Banking and Insurance: 2027 IHC rate filing requirements. “The 2027 state subsidy amounts are currently under review.”
- [5] Estimates use CMS state-based marketplace public use files (2026), IRS Revenue Procedure 2026-26, HHS 2026 poverty guidelines and the CMS default age curve, the same method as the site’s calculator. New Jersey’s state subsidy is not included.
- [6] NJ Treasury: Shared Responsibility Payment. “The amount of the SRP is generally based on your income and family size”; “capped at the statewide average annual premium for Bronze Health Plans in New Jersey.” Tax year 2025, individual: “Minimum: $695”; “Maximum: $4,908”.
- [7] CMS: Guidance on Noncitizen Eligibility for APTC and CSR for Plan Year 2027.