Silver Classic Saver Plus
Starting at
$562
/month before subsidy
Silver Classic Saver Plus is a 2026 Silver EPO health insurance plan from Issuer 23818, sold on the ACA Marketplace in New Jersey under plan ID 23818NJ0010008. The monthly premium starts at $562 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $500 ($500 for a family), and the individual out-of-pocket maximum is $9,600 ($9,600 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 23818NJ0010008
- Plan year
- 2026
- State
- New Jersey
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$500
Family: $500
Out-of-Pocket Max
$9,600
Family: $9,600
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
$1,362/month
Annual Premium
$6,744
OOP Maximum
$9,600
💡 What this means:
With a $500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,600 total. Then insurance covers everything else for the year.
More plans from Issuer 23818 in New Jersey
Frequently asked questions about Silver Classic Saver Plus
How much does Silver Classic Saver Plus cost per month?
Silver Classic Saver Plus from Issuer 23818 starts at $562 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 Silver Classic Saver Plus?
The individual medical deductible is $500, and the family deductible is $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 Silver Classic Saver Plus?
The most you would pay in a year for covered in-network care is $9,600 for an individual and $9,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Silver Classic Saver Plus HSA-eligible?
No. Silver Classic Saver Plus 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 Silver Classic Saver Plus use?
Silver Classic Saver Plus 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.