New Jersey operates its own state-based marketplace, Get Covered New Jersey, rather than using HealthCare.gov. Residents shop for plans and apply for subsidies directly through the state exchange site.
New Jersey expanded Medicaid under the ACA, so adults earning up to 138% of the federal poverty level generally qualify for NJ FamilyCare, the state's Medicaid program, instead of needing a subsidized marketplace plan.
New Jersey also funds its own state-based subsidy program that supplements federal premium tax credits, which can lower monthly premiums further for many households, including some middle-income residents who wouldn't otherwise get help. It's worth checking Get Covered New Jersey's subsidy calculator directly, since it accounts for both federal and state assistance together.