New Jersey Health Insurance Marketplace 2026
Compare 39 health insurance plans on the New Jersey Marketplace from 5 insurers. 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
From our research
See how New Jersey compares nationally: how much premiums increased for 2026 in every state and where New Jersey ranks on 2026 Marketplace premiums.
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
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
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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