TRENTON - A state Senate panel is discussing what will happen to New Jersey residents whose health insurance policies will no longer be allowed under the Affordable Care Act.

Democrats want to know why the state Department of Banking and Insurance didn't require insurance companies to offer the same policies after the federal government gave them the option to do so.

The department's commissioner said they decided to leave that option up to the companies.

"Two-thirds of New Jersey's individual market, or approximately 110,000 covered lives under the basic and essential plan, will still be unable to maintain their current, affordable coverage," says Ken Kobylowski.

Democrats also suggested the department has not done enough to inform residents about the options available to them under the Affordable Care Act.