How much does health insurance cost in New Jersey in 2026?
New Jersey runs its own health insurance marketplace, so this page uses statewide 2026 estimates plus private plan ranges; enter your ZIP in the tool for your household.
Monthly premiums by tier and age
| Tier | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| Bronze | $310–$429 | $351–$487 | $396–$548 | $553–$766 | $840–$1,164 |
| Silver | $421–$555 | $478–$630 | $538–$710 | $752–$992 | $1,142–$1,507 |
| Gold | $424–$594 | $481–$674 | $542–$759 | $757–$1,060 | $1,150–$1,611 |
New Jersey runs its own marketplace, which is not in the federal plan file, so these are statewide estimates built from the 2026 benchmark premium (KFF) and the tier spreads seen in HealthCare.gov states. The state marketplace, Get Covered New Jersey, has the exact county plans.
Ranges at a glance (age 40)
What a tax credit does (statewide estimate)
| Household | % of poverty level | Estimated tax credit | Cheapest Bronze, full → after credit |
|---|---|---|---|
| A single 40-year-old earning $40,000 | 255% | $258/mo | $396 → $138 |
| A family of four (parents 40 and 38, two kids) earning $85,000 | 264% | $1,100/mo | $1,255 → $155 |
2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.
See your own numbers for New Jersey
Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.
Private plans in New Jersey
Private plan pricing for New Jersey is not loaded online yet; an advisor quotes it by phone.
New Jersey counties
- Atlantic County
- Bergen County
- Burlington County
- Camden County
- Cape May County
- Cumberland County
- Essex County
- Gloucester County
- Hudson County
- Hunterdon County
- Mercer County
- Middlesex County
- Monmouth County
- Morris County
- Ocean County
- Passaic County
- Salem County
- Somerset County
- Sussex County
- Union County
- Warren County
Questions people ask
How much is health insurance in New Jersey per month?
For a 40-year-old paying full price in 2026, Marketplace Bronze plans typically run $396 to $548 a month across New Jersey counties, Silver $538 to $710, and the silver benchmark that tax credits are based on is about $545. Most people who qualify for a credit pay far less; see the examples above.
Does New Jersey have Medicaid expansion?
Yes. Households under 138% of the federal poverty level are generally covered by Medicaid rather than a Marketplace credit.
Where do New Jersey residents enroll in a Marketplace plan?
New Jersey runs its own marketplace, Get Covered New Jersey. Open Enrollment dates are set by the state each fall; outside the window you need a qualifying life event.
Are private health plans cheaper than the Marketplace in New Jersey?
It depends on your health and income; the tool compares both for your household.
Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); KFF marketplace benchmark premiums; HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.