Trans Resource Navigator

Gender-affirming care in New Jersey

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  • Page changed: Who is eligible (2026-10-05) · #149
  • Page changed: NJ FamilyCare (2026-10-05) · #148
  • Page changed: Consumer information and insurance complaints (2026-09-28) · #57
Care for adults
Allowed
Care for people under 18
Allowed
NJ FamilyCare pays for hormones
Covered
NJ FamilyCare pays for surgery
Covered
Private plans must cover care
Yes, by law

Gender-affirming care is legal and protected for adults and minors in New Jersey. State law bars NJ FamilyCare (Medicaid) plans and state-regulated insurers from discriminating against trans people, and a 2026 shield law (P.L.2026, c.74) plus Executive Order 326 protect patients and providers from other states' investigations and lawsuits. Hospital gender centers, community health centers, and Planned Parenthood offer hormone care.

Draft from official sources, September 24, 2026. Not yet checked by a person. How we verify

On this page
  1. Health centers near you
  2. Hormones by telehealth
  3. Clinics, programs, and funds
  4. Paying for care
  5. Rules for adults
  6. Rules for under 18
  7. Laws and court cases
  8. Sources

Community health centers near you

These federally funded centers must see you whether or not you have insurance, and charge based on income. Many, but not all, prescribe hormone therapy. Call and ask for "gender-affirming care" or "hormone therapy."

Sorting by distance uses your location only on this device. It is never sent anywhere.

Hormones by telehealth

These services prescribe hormones through video visits for people in this state. Point of Pride pays for a year and a half of care with several of them each spring.

  • Plume

    PaidNo Medicaid18+

    Trans-led telehealth service providing informed-consent hormone therapy, lab orders, prescriptions, and letters for surgery and documents, by app and video visit. Self-pay only since January 2026. A Point of Pride HRT Access Fund partner.

    About $99 per month ($90 in NY and NJ), which includes visits, messaging, prescriptions, and document letters. Labs and medications are billed separately and are often cheap with GoodRx or at a community pharmacy. Free for 18 months if you win a Point of Pride HRT Access Fund grant.

  • FOLX Health

    InsuranceTakes insuranceNo Medicaid18+

    LGBTQ-focused telehealth offering hormone therapy, PrEP, primary care, and mental health visits. Accepts major commercial insurance (Aetna, Blue Cross Blue Shield, Cigna, UnitedHealthcare) but not Medicaid or Medicare. A Point of Pride HRT Access Fund partner.

    In-network with many commercial plans; self-pay membership about $69 to $98 per month all-inclusive.

  • Planned Parenthood

    Sliding scaleTakes insurance

    Many Planned Parenthood affiliates provide informed-consent gender-affirming hormone therapy alongside sexual and reproductive health care, on a sliding scale and with Medicaid. Most affiliates see adults 18 and older; a few see 16- and 17-year-olds with parental consent and a readiness letter. Many start hormone care by telehealth. Self-pay initial consults typically run about $120 to $250 before sliding-scale discounts.

Clinics, programs, and funds

Paying for care

Medicaid (NJ FamilyCare)[5][4][7][6]

Under P.L.2017, c.176 (N.J.S.A. 30:4D-9.1), plans that contract with the state to serve NJ FamilyCare members may not discriminate based on gender identity or expression. That includes denying care related to gender transition, such as hormone therapy, hysterectomy, mastectomy, and vocal training, when the plan covers those services for other reasons. The Movement Advancement Project lists New Jersey Medicaid as covering transgender-related care.

Who qualifies: adults 19 to 64 with income up to 138% of the federal poverty level (about $1,836 a month for one person); higher limits for children and pregnant people. Children under 19 can enroll regardless of immigration status (Cover All Kids).

Apply online at njfamilycare.org or call 1-800-701-0710 (TTY 711).

Apply for coverage

Private insurance[5][8]

P.L.2017, c.176 bars state-regulated health insurers, HMOs, and the State and School Employees' Health Benefits plans from denying, limiting, or charging more for coverage because you are transgender, from treating gender identity as a preexisting condition, and from denying transition-related care (for example hormone therapy, hysterectomy, mastectomy, vocal training) that the plan covers for other purposes. If your plan denies care, appeal with the plan first, then file a complaint with the NJ Department of Banking and Insurance. Self-funded employer plans are federally regulated and may not be covered by this law.

File an insurance complaint

The rules in detail

Rules for adultsNo state restriction. P.L.2026, c.74 (August 20, 2026) writes gender-affirming care into state law as protected "reproductive health care services":…

No state restriction. P.L.2026, c.74 (August 20, 2026) writes gender-affirming care into state law as protected "reproductive health care services": New Jersey courts may not apply other states' laws that punish this care, the Governor may not extradite people charged elsewhere for care that is legal here, state courts may not issue subpoenas for out-of-state proceedings targeting it, and licensing boards may not discipline providers for it. Executive Order 326 (2023) already barred state agencies from helping other states' investigations.

If you have no insurance and little money, in rough order:

  1. Apply for NJ FamilyCare (free for adults 19 to 64 with income up to 138% of the federal poverty level). See below.
  2. Go to a community health center (FQHC). They charge on a sliding scale; find one at findahealthcenter.hrsa.gov and ask whether they prescribe hormones.
  3. Planned Parenthood affiliates in New Jersey offer hormone care; call your local center.
  4. Point of Pride's HRT Access Fund pays for 18 months of telehealth hormone care (applications each May).
[1][2][7][17][15]
Rules for under 18Legal. New Jersey has no ban on gender-affirming care for minors, and the 2026 shield law and Executive Order 326 protect families and providers from…

Legal. New Jersey has no ban on gender-affirming care for minors, and the 2026 shield law and Executive Order 326 protect families and providers from other states' actions. Care for minors requires a parent or guardian's consent. Availability is narrower than the law: for example, RWJBarnabas Health's PROUD Gender Center of New Jersey lists hormone therapy and surgery for ages 19 and older. Call ahead to confirm a clinic sees patients under 18 or 19.

[1][2][3][9]
Laws and court cases3 laws

Sources

17 sources. Numbers in the text, like [1], point here.Show all
  1. S2260 (SCS, Third Reprint), enacted as P.L.2026, c.74New Jersey Legislature, Law. accessed
    “Reproductive health care services shall include ... medication, to support a person's alignment with their gender identity or expression.”
  2. Executive Order No. 326 (2023)Office of the Governor of New Jersey, Official page. accessed
  3. Transgender health care shield lawsMovement Advancement Project, Organization. accessed
    “New Jersey, 2023 EO, 2026 law”
  4. New Jersey equality profileMovement Advancement Project, Organization. accessed
  5. P.L.2017, c.176, discrimination in health benefits coverage based on gender identity or expression (approved July 21, 2017)New Jersey Legislature, Law. accessed
    “Any contract between a carrier and the Division of Medical Assistance and Health Services ... shall not contain any provision that discriminates ... on the basis of a covered person's or prospective covered person's gender identity or expression.”
  6. NJ FamilyCareNew Jersey Department of Human Services, Official page. accessed
    “As of January 1, 2023, children under 19 may now apply for NJ FamilyCare regardless of their immigration status.”
  7. Who is eligibleNJ FamilyCare, Official page. accessed
    “Adults age 19-64 with income up to 138% FPL ($1,836/month for a single person).”
  8. Consumer information and insurance complaintsNew Jersey Department of Banking and Insurance, Official page. accessed
  9. PROUD Gender Center of New JerseyRWJBarnabas Health, Organization. accessed
  10. Babs Siperstein PROUD Center, transgender healthRWJBarnabas Health, Organization. accessed
  11. Medical supportState of New Jersey, Transgender Information Hub, Official page. accessed
  12. Live (care and treatment, Health & Wellness Clinic)Hyacinth, Organization. accessed
  13. Prevent (HIV testing and PrEP)Hyacinth, Organization. accessed
  14. Planned ParenthoodOrganization. accessed
  15. Point of PrideOrganization. accessed
  16. Trans Health ProjectOrganization. accessed
  17. Find a Health CenterHealth Resources and Services Administration, Official page. accessed