Health Insurance in Ocean County, NJ
Compare 38 ACA plans and check your subsidy eligibility.
2025 Plan Year Data2026 data from CMS pending
Expanded Bronze only
Bronze from
$482/mo
Silver from
$676/mo
Gold from
$482/mo
Benchmark (SLCSP)
What is the Benchmark (SLCSP)? The Second Lowest Cost Silver Plan — the reference plan used to calculate your premium tax credit (subsidy) amount.
Check My Subsidy — See How Much You SaveExpanded Bronze Plans (9)
Like Bronze but with some services covered before you meet your deductible.
IHC Bronze EPO HSA AmeriHealth Advantage $25/$50
EPO · AmeriHealth Insurance Company of New JerseyHSA
$391/mo
Age 40 premium
IHC Bronze EPO HSA AmeriHealth Hospital Advantage $50/$75
EPO · AmeriHealth Insurance Company of New JerseyHSA
$413/mo
Age 40 premium
Bronze 2 Advanced HSA: Aetna Whole Health network + MinuteClinic + Virtual Primary Care
EPO · Aetna Health Inc.HSA
$419/mo
Age 40 premium
Bronze 1 Advanced: Aetna Whole Health network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care
EPO · Aetna Health Inc.
$427/mo
Age 40 premium
IHC Bronze EPO HSA Local Value 50%/50%
EPO · AmeriHealth Insurance Company of New JerseyHSA
$452/mo
Age 40 premium
IHC Bronze EPO Local Value $50/$75
EPO · AmeriHealth Insurance Company of New Jersey
$510/mo
Age 40 premium
Horizon Advantage EPO Bronze
EPO · Horizon Healthcare of New Jersey
$645/mo
Age 40 premium
Silver Plans (20)
Middle ground. Required for cost-sharing reductions if your income is 100-250% FPL.
IHC Silver EPO AmeriHealth Advantage $45/40%
EPO · AmeriHealth Insurance Company of New Jersey
$488/mo
Age 40 premium
IHC Silver EPO AmeriHealth Advantage $25/$60
EPO · AmeriHealth Insurance Company of New Jersey
$493/mo
Age 40 premium
Silver 1 Advanced: Aetna Whole Health network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care
EPO · Aetna Health Inc.
$500/mo
Age 40 premium
Silver 2 Advanced: Aetna Whole Health network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care
EPO · Aetna Health Inc.
$503/mo
Age 40 premium
Secure Silver with $0 Insulin Options + $0 Virtual 24/7 Care Visits
EPO · Horizon Blue Cross Blue Shield of New Jersey
$509/mo
Age 40 premium
IHC Silver EPO HSA AmeriHealth Hospital Advantage $50/$75
EPO · AmeriHealth Insurance Company of New JerseyHSA
$519/mo
Age 40 premium
Balanced Silver + $0 Virtual 24/7 Care Visits
EPO · Horizon Blue Cross Blue Shield of New Jersey
$533/mo
Age 40 premium
IHC Silver EPO AmeriHealth Hospital Advantage $50/$75
EPO · AmeriHealth Insurance Company of New Jersey
$534/mo
Age 40 premium
Premium Silver + $0 Virtual 24/7 Care Visits
EPO · Horizon Blue Cross Blue Shield of New Jersey
$537/mo
Age 40 premium
IHC Silver EPO HSA Local Value $50/$75
EPO · AmeriHealth Insurance Company of New JerseyHSA
$627/mo
Age 40 premium
Elite Silver $0 Medical Deductible + $0 Virtual 24/7 Care Visits
EPO · Horizon Blue Cross Blue Shield of New Jersey
$628/mo
Age 40 premium
Horizon Advantage EPO Silver
EPO · Horizon Healthcare of New Jersey
$820/mo
Age 40 premium
IHC Silver EPO HSA Regional Preferred $50/$75
EPO · AmeriHealth Insurance Company of New JerseyHSA
$1069/mo
Age 40 premium
Gold Plans (6)
Higher premium, lower out-of-pocket. Good if you use medical services regularly.
Secure Gold + $0 Virtual 24/7 Care Visits
EPO · Horizon Blue Cross Blue Shield of New Jersey
$676/mo
Age 40 premium
Elite Gold $0 Deductible + $0 Virtual 24/7 Care Visits
EPO · Horizon Blue Cross Blue Shield of New Jersey
$745/mo
Age 40 premium
Gold 1 Advanced: Aetna Whole Health network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care
EPO · Aetna Health Inc.
$781/mo
Age 40 premium
IHC Gold EPO Regional Preferred $30/$50
EPO · AmeriHealth Insurance Company of New Jersey
$1199/mo
Age 40 premium
Catastrophic Plans (3)
Very low premium, very high deductible. Only available to people under 30.
Horizon Advantage EPO Essentials
EPO · Horizon Healthcare of New Jersey
$425/mo
Age 40 premium
IHC Local Value Simple Saver
EPO · AmeriHealth Insurance Company of New Jersey
$446/mo
Age 40 premium
New Jersey Expanded Medicaid
Adults with income up to 138% FPL may qualify for Medicaid in New Jersey — often with $0 premiums.
Check Medicaid Eligibility