As a summary, this guide will not answer every question for every person in every circumstance.  In addition, it is not a substitute for legal advice.  If you have more questions, contact the agencies listed below or consult an attorney.

For questions about:
Individual health insurance
Small employer health insurance
State continuation coverage
Conversion coverage
Fully insured group health plan
Contact:
New Jersey Department of Banking and Insurance
            (609) 633-1882 ext. 50302
            http://njdobi.org/
To request an Individual health insurance Buyer’s Guide call (800) 838-0953 or a Small Employer Health Benefits Buyer’s Guide call
            (800) 263-5912

For questions about:
Self-funded/Self-funded group health plans
COBRA continuation coverage
Family and Medical Leave Act
Contact:
U.S. Department of Labor,
Employee Benefits Security Administration
Employee & Employer Assistance Hotline and Publications
            (866) 444-EBSA (3272)
http://www.dol.gov/ebsa/

For questions about:
Medicaid
Contact:
New Jersey Department of Human Services
Division of Medical Assistance and Health Services
            (800) 356-1561 or (609) 588-2600

http://www.state.nj.us/
For questions about:
NJ Family Care
Contact:
New Jersey Department of Human Services
            (800) 701-0710
            http://www.njfamilycare.org/
For questions about:
New Jersey Cancer Education and Early Detection Screening Program
Contact:
New Jersey Department of Health and Senior Services 
            (800) 328-3838
            http://www.state.nj.us/health/fhs/canceredu/breast.htm

For questions about:
Other Programs
Contact:
New Jersey Department of Human Services
(800) 356-1561
            http://www.state.nj.us/humanservices/index.%09html
and
New Jersey Department of Health and Senior Services at (800) 367-6543
            http://www.state.nj.us/health/

For questions about:
The Federal Health Coverage Tax Credit (HCTC)
Contact:
Internal Revenue Service (IRS)
            (866) 628-HCTC (1-866-628-4282)
                        http://www.doleta.gov/tradeact/2002act_summary.as
                        (Click on HCTC)
            or call HCTC customer service center

Finally, if you would like to obtain a consumer guide for a different state, visit the web at http://www.healthinsuranceinfo.net/