Balanced Silver + $0 Virtual 24/7 Care Visits
Starting at
$637
/month before subsidy
Balanced Silver + $0 Virtual 24/7 Care Visits is a 2026 Silver EPO health insurance plan from Issuer 17970, sold on the ACA Marketplace in New Jersey under plan ID 17970NJ0010010. The monthly premium starts at $637 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,500 ($2,500 for a family), and the individual out-of-pocket maximum is $9,700 ($9,700 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 17970NJ0010010
- Plan year
- 2026
- State
- New Jersey
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$2,500
Family: $2,500
Out-of-Pocket Max
$9,700
Family: $9,700
Coinsurance
50%
You pay after deductible
Network Type
EPO
NJN001
Medical Services
Prescription Drugs
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This Silver EPO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,445/month
Annual Premium
$7,644
OOP Maximum
$9,700
💡 What this means:
With a $2,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,700 total. Then insurance covers everything else for the year.
More plans from Issuer 17970 in New Jersey
- Elite Silver $0 Medical Deductible + $0 Virtual 24/7 Care Visitsfrom $752/mo
- Premium Silver + $0 Virtual 24/7 Care Visitsfrom $643/mo
- Secure Silver with $0 Insulin Options + $0 Virtual 24/7 Care Visitsfrom $570/mo
- Elite Gold $0 Deductible + $0 Virtual 24/7 Care Visitsfrom $812/mo
- Secure Gold + $0 Virtual 24/7 Care Visitsfrom $700/mo
Frequently asked questions about Balanced Silver + $0 Virtual 24/7 Care Visits
How much does Balanced Silver + $0 Virtual 24/7 Care Visits cost per month?
Balanced Silver + $0 Virtual 24/7 Care Visits from Issuer 17970 starts at $637 per month before any subsidy in New Jersey. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Balanced Silver + $0 Virtual 24/7 Care Visits?
The individual medical deductible is $2,500, and the family deductible is $2,500. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Balanced Silver + $0 Virtual 24/7 Care Visits?
The most you would pay in a year for covered in-network care is $9,700 for an individual and $9,700 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Balanced Silver + $0 Virtual 24/7 Care Visits HSA-eligible?
No. Balanced Silver + $0 Virtual 24/7 Care Visits is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Balanced Silver + $0 Virtual 24/7 Care Visits use?
Balanced Silver + $0 Virtual 24/7 Care Visits is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
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
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.