OMNIA Silver Saver HSA
Starting at
$706
/month before subsidy
OMNIA Silver Saver HSA is a 2026 Silver EPO health insurance plan from Issuer 91661, sold on the ACA Marketplace in New Jersey under plan ID 91661NJ2340003. The monthly premium starts at $706 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,400, and the individual out-of-pocket maximum is $8,500 ($8,500 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 91661NJ2340003
- Plan year
- 2026
- State
- New Jersey
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- Yes
Individual Deductible
$2,400
Family: $0
Out-of-Pocket Max
$8,500
Family: $8,500
Coinsurance
40%
You pay after deductible
Network Type
EPO
NJN003
Medical Services
Prescription Drugs
Enter your ZIP code first to search nearby doctors.
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
$1,414/month
Annual Premium
$8,472
OOP Maximum
$8,500
💡 What this means:
With a $2,400 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $8,500 total. Then insurance covers everything else for the year.
More plans from Issuer 91661 in New Jersey
Frequently asked questions about OMNIA Silver Saver HSA
How much does OMNIA Silver Saver HSA cost per month?
OMNIA Silver Saver HSA from Issuer 91661 starts at $706 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 Saver HSA?
The individual medical deductible is $2,400. 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 Saver HSA?
The most you would pay in a year for covered in-network care is $8,500 for an individual and $8,500 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is OMNIA Silver Saver HSA HSA-eligible?
Yes. OMNIA Silver Saver HSA 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 Silver Saver HSA use?
OMNIA Silver Saver HSA 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.