OMNIA Silver
Starting at
$789
/month before subsidy
OMNIA Silver is a 2026 Silver EPO health insurance plan from Issuer 91661, sold on the ACA Marketplace in New Jersey under plan ID 91661NJ2340002. The monthly premium starts at $789 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,700 ($1,700 for a family), and the individual out-of-pocket maximum is $10,000 ($10,000 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 91661NJ2340002
- Plan year
- 2026
- State
- New Jersey
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$1,700
Family: $1,700
Out-of-Pocket Max
$10,000
Family: $10,000
Coinsurance
0%
You pay after deductible
Network Type
EPO
NJN003
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
$1,622/month
Annual Premium
$9,468
OOP Maximum
$10,000
💡 What this means:
With a $1,700 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,000 total. Then insurance covers everything else for the year.
More plans from Issuer 91661 in New Jersey
Frequently asked questions about OMNIA Silver
How much does OMNIA Silver cost per month?
OMNIA Silver from Issuer 91661 starts at $789 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 Silver?
The individual medical deductible is $1,700, and the family deductible is $1,700. 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 Silver?
The most you would pay in a year for covered in-network care is $10,000 for an individual and $10,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is OMNIA Silver HSA-eligible?
No. OMNIA Silver 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 OMNIA Silver use?
OMNIA Silver 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.