Health insurance prices in New Jersey (2026)
39 marketplace plans from 5 insurers across 21 counties. Official marketplace: Get Covered New Jersey.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $451–$779 (typical $540) · Silver $538–$1,234 (typical $637) · Gold $700–$1,402 (typical $1,045) · Catastrophic $341–$513 (typical $427)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 21) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Oscar Health | 21 | 8 | $470 | $470 | $547 | $769 | Bronze Classic |
| AmeriHealth Insurance Company of New Jersey | 21 | 11 | $451 | $503 | $611 | $1,402 | IHC Bronze EPO HSA AmeriHealth Advantage $25/$50 |
| Ambetter (Centene) | 17 | 6 | $570 Silver | no Bronze | $640 | $756 | Secure Silver with $0 Insulin Options + $0 Virtual 24/7 Care Visits |
| UnitedHealthcareUnitedHealth Group | 21 | 6 | $584 | $591 | $674 | $1,195 | UHC Bronze Value ($0 Virtual Urgent Care, No Referrals) |
| Horizon Blue Cross Blue Shield of New JerseyHorizon (Blue Cross Blue Shield company) | 21 | 8 | $540 | $660 | $747 | $1,045 | OMNIA Bronze |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $451 | $540 | $779 | 9 | $3,300 | $9,300 | $15,678 |
| Silver | $538 | $637 | $1,234 | 21 | $2,500 | $9,200 | $16,894 |
| Gold | $700 | $1,045 | $1,402 | 7 | $1,500 | $7,300 | $20,042 |
| CatastrophicUnder 30 or hardship exemption only | $341 | $427 | $513 | 2 | $10,375 | $10,375 | $15,498 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in New Jersey
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Atlantic County | 5 | 39 | $451 | $540 | $637 |
| Bergen County | 5 | 36 | $470 | $562 | $637 |
| Burlington County | 5 | 39 | $451 | $540 | $637 |
| Camden County | 5 | 39 | $451 | $540 | $637 |
| Cape May County | 4 | 33 | $451 | $540 | $620 |
| Cumberland County | 5 | 36 | $470 | $562 | $637 |
| Essex County | 5 | 39 | $451 | $540 | $637 |
| Gloucester County | 5 | 39 | $451 | $540 | $637 |
| Hudson County | 5 | 39 | $451 | $540 | $637 |
| Hunterdon County | 4 | 24 | $470 | $584 | $653 |
| Mercer County | 5 | 39 | $451 | $540 | $637 |
| Middlesex County | 5 | 39 | $451 | $540 | $637 |
| Monmouth County | 5 | 39 | $451 | $540 | $637 |
| Morris County | 5 | 36 | $470 | $562 | $637 |
| Ocean County | 5 | 39 | $451 | $540 | $637 |
| Passaic County | 5 | 36 | $470 | $562 | $637 |
| Salem County | 4 | 30 | $470 | $562 | $637 |
| Somerset County | 5 | 39 | $451 | $540 | $637 |
| Sussex County | 5 | 36 | $470 | $562 | $637 |
| Union County | 5 | 39 | $451 | $540 | $637 |
| Warren County | 4 | 30 | $470 | $562 | $637 |
To compare insurance plans side by side (or with health sharing), open your county.