IHC Silver EPO HSA Regional Preferred $50/$75
Starting at
$1234
/month before subsidy
IHC Silver EPO HSA Regional Preferred $50/$75 is a 2026 Silver EPO health insurance plan from Issuer 91762, sold on the ACA Marketplace in New Jersey under plan ID 91762NJ0070110. The monthly premium starts at $1,234 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,500 ($5,000 for a family), and the individual out-of-pocket maximum is $7,600 ($7,600 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
- 91762NJ0070110
- Plan year
- 2026
- State
- New Jersey
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- Yes
Individual Deductible
$2,500
Family: $5,000
Out-of-Pocket Max
$7,600
Family: $7,600
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
$1,867/month
Annual Premium
$14,808
OOP Maximum
$7,600
💡 What this means:
With a $2,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $7,600 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 Silver EPO HSA Regional Preferred $50/$75
How much does IHC Silver EPO HSA Regional Preferred $50/$75 cost per month?
IHC Silver EPO HSA Regional Preferred $50/$75 from Issuer 91762 starts at $1,234 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 Silver EPO HSA Regional Preferred $50/$75?
The individual medical deductible is $2,500, and the family deductible is $5,000. 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 IHC Silver EPO HSA Regional Preferred $50/$75?
The most you would pay in a year for covered in-network care is $7,600 for an individual and $7,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is IHC Silver EPO HSA Regional Preferred $50/$75 HSA-eligible?
Yes. IHC Silver EPO HSA Regional Preferred $50/$75 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 IHC Silver EPO HSA Regional Preferred $50/$75 use?
IHC Silver EPO HSA Regional Preferred $50/$75 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.