Best 2026 Health Insurance Plans in New Jersey
Compare 39 ACA Marketplace plans from 5 insurers in New Jersey. See premiums by metal tier and estimate your subsidy in under a minute.
In New Jersey, 39 ACA Marketplace health insurance plans from 5 insurers are available for 2026. For a 40-year-old before subsidies, Bronze plans start at $451/month, Silver plans at $538/month, Gold plans at $700/month, and Catastrophic plans at $341/month. The lowest-priced plan overall is Secure from Issuer 23818 at $341/month. Most enrollees qualify for a premium tax credit that lowers what they actually pay each month.
Lowest-cost plan by tier in New Jersey
Starting monthly premium for a 40-year-old, before any subsidy. Your price depends on age, income, and county.
Browse 2026 New Jersey plans by metal tier
Pick a tier to see every on-exchange plan in it, with starting premiums for a 40-year-old before subsidy.
Insurers offering 2026 plans in New Jersey
New Jersey health insurance FAQ
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Find your best plan in New Jersey
Enter your ZIP, household, and income to see your real premiums after subsidy and compare every plan available where you live.
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