IHC Gold EPO Regional Preferred $30/$50
Starting at
$1402
/month before subsidy
IHC Gold EPO Regional Preferred $30/$50 is a 2026 Gold EPO health insurance plan from Issuer 91762, sold on the ACA Marketplace in New Jersey under plan ID 91762NJ0070010. The monthly premium starts at $1,402 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 $7,000 ($7,000 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 91762NJ0070010
- Plan year
- 2026
- State
- New Jersey
- Metal level
- Gold
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$1,700
Family: $1,700
Out-of-Pocket Max
$7,000
Family: $7,000
Coinsurance
20%
You pay after deductible
Network Type
EPO
NJN001
Medical Services
Prescription Drugs
Enter your ZIP code first to search nearby doctors.
This Gold EPO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,985/month
Annual Premium
$16,824
OOP Maximum
$7,000
💡 What this means:
With a $1,700 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $7,000 total. Then insurance covers everything else for the year.
More plans from Issuer 91762 in New Jersey
- IHC Bronze EPO HSA AmeriHealth Advantage $25/$50from $451/mo
- IHC Bronze EPO HSA AmeriHealth Hospital Advantage $50/$75from $485/mo
- IHC Bronze EPO HSA Local Value 50%/50% from $521/mo
- IHC Bronze EPO Local Value $50/$75 from $588/mo
- IHC Silver EPO AmeriHealth Advantage $25/$60from $570/mo
- IHC Silver EPO AmeriHealth Advantage 40%/40%from $552/mo
- IHC Silver EPO AmeriHealth Hospital Advantage $50/$75 from $620/mo
- IHC Silver EPO HSA AmeriHealth Hospital Advantage $50/$75from $601/mo
Frequently asked questions about IHC Gold EPO Regional Preferred $30/$50
How much does IHC Gold EPO Regional Preferred $30/$50 cost per month?
IHC Gold EPO Regional Preferred $30/$50 from Issuer 91762 starts at $1,402 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 IHC Gold EPO Regional Preferred $30/$50?
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 IHC Gold EPO Regional Preferred $30/$50?
The most you would pay in a year for covered in-network care is $7,000 for an individual and $7,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is IHC Gold EPO Regional Preferred $30/$50 HSA-eligible?
No. IHC Gold EPO Regional Preferred $30/$50 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 IHC Gold EPO Regional Preferred $30/$50 use?
IHC Gold EPO Regional Preferred $30/$50 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.