Health insurance prices in Cumberland County, NJ (2026)
36 marketplace plans from 5 insurers. Cheapest plan $470/mo; typical Silver $637/mo. Official marketplace: Get Covered New Jersey (enter your ZIP for your real price and tax credit).
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). Rating Area 1.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $470–$779 (typical $562) · 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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Oscar Health | 8 | $470 | $470 | $547 | $769 | Bronze Classic | |
| Ambetter (Centene) | 6 | $570 Silver | no Bronze | $640 | $756 | Secure Silver with $0 Insulin Options + $0 Virtual 24/7 Care Visits | |
| AmeriHealth Insurance Company of New Jersey | 8 | $485 | $521 | $672 | $1,402 | IHC Bronze EPO HSA AmeriHealth Hospital Advantage $50/$75 | |
| UnitedHealthcareUnitedHealth Group | 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) | 8 | $540 | $660 | $747 | $1,045 | OMNIA Bronze |
All 36 plans in Cumberland County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Secure | Catastrophic | EPO | $341 | $10,600 | $10,600 | $14,689 | |
| Oscar Health | Bronze Classic | Expanded Bronze | EPO | $470 | $3,300 | $9,300 | $14,943 | |
| AmeriHealth Insurance Company of New Jersey | IHC Bronze EPO HSA AmeriHealth Hospital Advantage $50/$75 | Expanded Bronze | EPO | $485 | $6,000 | $8,450 | $14,265 | |
| Horizon Blue Cross Blue Shield of New Jersey | Horizon Advantage EPO Essentials | Catastrophic | EPO | $513 | $10,150 | $10,150 | $16,307 | |
| AmeriHealth Insurance Company of New Jersey | IHC Bronze EPO HSA Local Value 50%/50% | Expanded Bronze | EPO | $521 | $6,000 | $8,450 | $14,703 | |
| Oscar Health | Silver Simple | Silver | EPO | $538 | $2,800 | $7,400 | $13,854 | |
| Horizon Blue Cross Blue Shield of New Jersey | OMNIA Bronze | Expanded Bronze | EPO | $540 | $3,000 | $10,150 | $16,636 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $545 | $2,500 | $9,300 | $15,837 | |
| Oscar Health | Silver Classic | Silver | EPO | $547 | $2,700 | $9,200 | $15,767 | |
| Oscar Health | Silver Classic Saver Plus | Silver | EPO | $562 | $500 | $9,600 | $16,338 | |
| Horizon Blue Cross Blue Shield of New Jersey | OMNIA Silver Value | Silver | EPO | $562 | $2,100 | $10,150 | $16,894 | |
| Ambetter (Centene) | Secure Silver with $0 Insulin Options + $0 Virtual 24/7 Care Visits | Silver | EPO | $570 | $2,500 | $9,800 | $16,643 | |
| UnitedHealthcare | UHC Bronze Value ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $584 | $3,000 | $10,600 | $17,606 | |
| AmeriHealth Insurance Company of New Jersey | IHC Bronze EPO Local Value $50/$75 | Expanded Bronze | EPO | $588 | $3,000 | $10,600 | $17,651 | |
| UnitedHealthcare | UHC Bronze Value HSA (No Referrals) | Expanded Bronze | EPO | $598 | $6,000 | $8,500 | $15,678 | |
| AmeriHealth Insurance Company of New Jersey | IHC Silver EPO HSA AmeriHealth Hospital Advantage $50/$75 | Silver | EPO | $601 | $2,200 | $8,000 | $15,212 | |
| AmeriHealth Insurance Company of New Jersey | IHC Silver EPO AmeriHealth Hospital Advantage $50/$75 | Silver | EPO | $620 | $2,500 | $8,000 | $15,443 | |
| Ambetter (Centene) | Balanced Silver + $0 Virtual 24/7 Care Visits | Silver | EPO | $637 | $2,500 | $9,700 | $17,345 | |
| Oscar Health | Silver Elite Plus | Silver | EPO | $637 | $1,600 | $10,600 | $18,246 | |
| Ambetter (Centene) | Premium Silver + $0 Virtual 24/7 Care Visits | Silver | EPO | $643 | $2,500 | $9,200 | $16,910 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) | Silver | EPO | $669 | $2,500 | $10,600 | $18,628 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $679 | $2,300 | $9,000 | $17,142 | |
| Ambetter (Centene) | Secure Gold + $0 Virtual 24/7 Care Visits | Gold | EPO | $700 | $1,900 | $9,000 | $17,395 | |
| Horizon Blue Cross Blue Shield of New Jersey | OMNIA Silver Saver HSA | Silver | EPO | $706 | $2,400 | $8,500 | $16,970 | |
| AmeriHealth Insurance Company of New Jersey | IHC Silver EPO HSA Local Value $50/$75 | Silver | EPO | $723 | $2,500 | $7,600 | $16,279 | |
| Ambetter (Centene) | Elite Silver $0 Medical Deductible + $0 Virtual 24/7 Care Visits | Silver | EPO | $752 | $0 | $9,700 | $18,719 | |
| Oscar Health | Gold Classic PCP Saver | Gold | EPO | $769 | $2,000 | $7,300 | $16,534 | |
| Horizon Blue Cross Blue Shield of New Jersey | Horizon Advantage EPO Bronze | Expanded Bronze | EPO | $779 | $3,000 | $10,150 | $19,494 | |
| Horizon Blue Cross Blue Shield of New Jersey | OMNIA Silver | Silver | EPO | $789 | $1,700 | $10,000 | $19,465 | |
| Ambetter (Centene) | Elite Gold $0 Deductible + $0 Virtual 24/7 Care Visits | Gold | EPO | $812 | $0 | $6,500 | $16,242 | |
| Horizon Blue Cross Blue Shield of New Jersey | Horizon Advantage EPO Silver | Silver | EPO | $989 | $2,500 | $10,150 | $22,016 | |
| Horizon Blue Cross Blue Shield of New Jersey | OMNIA Gold | Gold | EPO | $1,045 | $550 | $7,500 | $20,042 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) | Gold | EPO | $1,187 | $1,500 | $7,200 | $21,449 | |
| UnitedHealthcare | UHC Gold Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) | Gold | EPO | $1,203 | $1,200 | $8,500 | $22,940 | |
| AmeriHealth Insurance Company of New Jersey | IHC Silver EPO HSA Regional Preferred $50/$75 | Silver | EPO | $1,234 | $2,500 | $7,600 | $22,405 | |
| AmeriHealth Insurance Company of New Jersey | IHC Gold EPO Regional Preferred $30/$50 | Gold | EPO | $1,402 | $1,700 | $7,000 | $23,819 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $470 | $562 | $779 | 8 | $3,150 | $9,725 | $16,157 |
| Silver | $538 | $637 | $1,234 | 19 | $2,500 | $9,300 | $16,910 |
| 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.