Secure
Starting at
$341
/month before subsidy
Secure is a 2026 Catastrophic EPO health insurance plan from Issuer 23818, sold on the ACA Marketplace in New Jersey under plan ID 23818NJ0010005. The monthly premium starts at $341 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,600 ($10,600 for a family), and the individual out-of-pocket maximum is $10,600 ($10,600 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 23818NJ0010005
- Plan year
- 2026
- State
- New Jersey
- Metal level
- Catastrophic
- Plan type
- EPO
- HSA-eligible
- Yes
Individual Deductible
$10,600
Family: $10,600
Out-of-Pocket Max
$10,600
Family: $10,600
Coinsurance
0%
You pay after deductible
Network Type
EPO
NJN001
Medical Services
Prescription Drugs
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This Catastrophic EPO plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.
Consider this plan if you:
- Rarely visit the doctor beyond annual checkups
- Have savings to cover the $10,600 deductible if needed
- Primarily need coverage for unexpected emergencies
- Want to minimize monthly healthcare expenses
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,224/month
Annual Premium
$4,092
OOP Maximum
$10,600
💡 What this means:
With a $10,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
More plans from Issuer 23818 in New Jersey
Frequently asked questions about Secure
How much does Secure cost per month?
Secure from Issuer 23818 starts at $341 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 Secure?
The individual medical deductible is $10,600, and the family deductible is $10,600. 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 Secure?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $10,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Secure HSA-eligible?
Yes. Secure is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does Secure use?
Secure 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.