OMNIA Bronze
Starting at
$541
/month before subsidy
OMNIA Bronze is a 2026 Expanded_bronze EPO health insurance plan from Issuer 91661, sold on the ACA Marketplace in New Jersey under plan ID 91661NJ2340001. The monthly premium starts at $541 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,000 ($3,000 for a family), and the individual out-of-pocket maximum is $10,150 ($10,150 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 91661NJ2340001
- Plan year
- 2026
- State
- New Jersey
- Metal level
- Expanded_bronze
- Plan type
- EPO
- HSA-eligible
- Yes
Individual Deductible
$3,000
Family: $3,000
Out-of-Pocket Max
$10,150
Family: $10,150
Coinsurance
50%
You pay after deductible
Network Type
EPO
NJN003
Medical Services
Prescription Drugs
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,387/month
Annual Premium
$6,492
OOP Maximum
$10,150
💡 What this means:
With a $3,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.
More plans from Issuer 91661 in New Jersey
Frequently asked questions about OMNIA Bronze
How much does OMNIA Bronze cost per month?
OMNIA Bronze from Issuer 91661 starts at $541 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 OMNIA Bronze?
The individual medical deductible is $3,000, and the family deductible is $3,000. 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 OMNIA Bronze?
The most you would pay in a year for covered in-network care is $10,150 for an individual and $10,150 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is OMNIA Bronze HSA-eligible?
Yes. OMNIA Bronze 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 OMNIA Bronze use?
OMNIA Bronze 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.