Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
New Jersey Health Insurance Plans
2026 Off-Exchange plans
59 plans across the state
Off-Exchange plans
New Jersey runs its own marketplace — Health Plan Radar shows Off-Exchange plans here, sold directly by the insurance companies.
Horizon Advantage EPO Essentials
by Horizon Blue Cross Blue Shield of New Jersey
Catastrophic HSA eligible EPO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
OMNIA Bronze ($0 Horizon CareOnline Virtual Care, $0 Select Insulin, No Referrals)
by Horizon Blue Cross Blue Shield of New Jersey
Bronze HSA eligible EPO
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$10,150 / $20,300
IHC Bronze EPO HSA AmeriHealth Hospital Advantage $50/$75
by AmeriHealth New Jersey
Bronze HSA eligible EPO
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,450 / $16,900
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,450 / $16,900
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,500 / $17,000
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$4,150 / $8,300
Out-of-pocket max · ind / family
$8,500 / $17,000
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,300 / $16,600
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,450 / $16,900
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$3,300 / $6,600
Out-of-pocket max · ind / family
$9,300 / $18,600
Horizon Advantage EPO Bronze ($0 Horizon CareOnline Virtual Care, $0 Select Insulin, No Referrals)
by Horizon Blue Cross Blue Shield of New Jersey
Bronze HSA eligible EPO
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$10,150 / $20,300
OMNIA Silver Value ($0 Horizon CareOnline Virtual Care, $0 Select Insulin, No Referrals)
by Horizon Blue Cross Blue Shield of New Jersey
Silver EPO
Deductible · ind / family
$2,100 / $4,200
Out-of-pocket max · ind / family
$10,150 / $20,300
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$9,200 / $18,400
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$9,700 / $19,400
UHC Silver-X Value ($0 Virtual Urgent Care, No Referrals) (Off-Exchange Only)
by UnitedHealthcare
Silver EPO
Deductible · ind / family
$2,300 / $4,600
Out-of-pocket max · ind / family
$9,000 / $18,000
Horizon Advantage EPO Silver ($0 Horizon CareOnline Virtual Care, $0 Select Insulin, No Referrals)
by Horizon Blue Cross Blue Shield of New Jersey
Silver EPO
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$10,150 / $20,300
Secure Silver with $0 Insulin Options + $0 Virtual 24/7 Care Visits
by Ambetter from WellCare of New Jersey
Silver EPO
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$9,800 / $19,600
OMNIA Silver Saver HSA ($0 Horizon CareOnline Virtual Care after Ded, $0 Select Insulin, No Referrals)
by Horizon Blue Cross Blue Shield of New Jersey
Silver HSA eligible EPO
Deductible · ind / family
$2,400 / $4,800
Out-of-pocket max · ind / family
$8,500 / $17,000
Deductible · ind / family
$1,750 / $3,500
Out-of-pocket max · ind / family
$9,700 / $19,400
Deductible · ind / family
$2,700 / $5,400
Out-of-pocket max · ind / family
$9,200 / $18,400
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$9,000 / $18,000
Deductible · ind / family
$1,650 / $3,300
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$2,100 / $4,200
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$8,000 / $16,000
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$9,700 / $19,400
Deductible · ind / family
$500 / $1,000
Out-of-pocket max · ind / family
$9,600 / $19,200
UHC Silver-X Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) (Off-Exchange Only)
by UnitedHealthcare
Silver EPO
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$10,600 / $21,200
UHC Silver-X Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals)
by UnitedHealthcare
Silver EPO
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$8,450 / $16,900
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$10,300 / $20,600
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$9,300 / $18,600
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$8,000 / $16,000
Elite Silver $0 Medical Deductible + $0 Virtual 24/7 Care Visits
by Ambetter from WellCare of New Jersey
Silver EPO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,700 / $19,400
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$8,300 / $16,600
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$10,000 / $20,000
IHC Select Silver EPO HSA AmeriHealth Hospital Advantage $50/$75
by AmeriHealth New Jersey
Silver HSA eligible EPO
Deductible · ind / family
$2,300 / $4,600
Out-of-pocket max · ind / family
$8,000 / $16,000
Deductible · ind / family
$1,600 / $3,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Deductible · ind / family
$2,300 / $4,600
Out-of-pocket max · ind / family
$9,000 / $18,000
Deductible · ind / family
$2,800 / $5,600
Out-of-pocket max · ind / family
$7,400 / $14,800
Deductible · ind / family
$2,300 / $4,600
Out-of-pocket max · ind / family
$8,300 / $16,600
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$9,200 / $18,400
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$9,300 / $18,600
OMNIA Silver ($0 Horizon CareOnline Virtual Care, $0 Select Insulin, No Referrals)
by Horizon Blue Cross Blue Shield of New Jersey
Silver EPO
Deductible · ind / family
$1,700 / $3,400
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$7,600 / $15,200
Deductible · ind / family
$2,500 / $5,000
Out-of-pocket max · ind / family
$7,600 / $15,200
Deductible · ind / family
$1,200 / $2,400
Out-of-pocket max · ind / family
$8,500 / $17,000
Deductible · ind / family
$1,500 / $3,000
Out-of-pocket max · ind / family
$7,500 / $15,000
Elite Gold $0 Deductible + $0 Virtual 24/7 Care Visits
by Ambetter from WellCare of New Jersey
Gold EPO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$6,500 / $13,000
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$9,500 / $19,000
OMNIA Gold ($0 Horizon CareOnline Virtual Care, $0 Select Insulin, No Referrals)
by Horizon Blue Cross Blue Shield of New Jersey
Gold EPO
Deductible · ind / family
$550 / $1,100
Out-of-pocket max · ind / family
$7,500 / $15,000
UHC Gold-X Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals)
by UnitedHealthcare
Gold EPO
Deductible · ind / family
$1,500 / $3,000
Out-of-pocket max · ind / family
$7,200 / $14,400
Deductible · ind / family
$1,900 / $3,800
Out-of-pocket max · ind / family
$9,000 / $18,000
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$7,300 / $14,600
Deductible · ind / family
$1,700 / $3,400
Out-of-pocket max · ind / family
$7,000 / $14,000
Deductible · ind / family
$1,700 / $3,400
Out-of-pocket max · ind / family
$6,000 / $12,000
Deductible · ind / family
$1,500 / $3,000
Out-of-pocket max · ind / family
$9,500 / $19,000
Frequently asked questions
What are Obamacare health insurance plans?
Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.
What are Off-Exchange health insurance plans?
Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.
What's the difference between Obamacare and Off-Exchange plans?
The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.
How do I choose the plan that's best for me and my family?
Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.