New Jersey
Cheapest ACA plans in Atlantic County, New Jersey for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Atlantic County, New Jersey has 5 on-exchange carriers offering 37 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is AmeriHealth Insurance Company of New Jersey IHC Bronze EPO HSA AmeriHealth Advantage $25/$50 at $451 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Atlantic County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Atlantic County |
|---|---|---|
| Catastrophic | $341 | 2 |
| Expanded Bronze | $451 | 9 |
| Silver | $545 | 19 |
| Gold | $700 | 7 |
The actual cheapest Bronze plan in Atlantic County
AmeriHealth Insurance Company of New Jersey IHC Bronze EPO HSA AmeriHealth Advantage $25/$50
$451/moFor a family of four (two 40-year-olds and two kids under 14): AmeriHealth Insurance Company of New Jersey IHC Bronze EPO HSA AmeriHealth Advantage $25/$50 at $1,443/month before subsidies.
Carriers selling 2026 plans in Atlantic County
5 carriers sell 2026 plans on Get Covered New Jersey. 59 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| AmeriHealth Insurance Company of New Jersey | 11 |
| Horizon Healthcare Services, Inc. | 8 |
| WellCare Health Insurance Company of New Jersey, Inc. | 6 |
| Oscar Garden State Insurance Corporation | 6 |
| UnitedHealthcare | 6 |
Frequently asked questions
What is the cheapest ACA plan in Atlantic County, New Jersey for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is AmeriHealth Insurance Company of New Jersey IHC Bronze EPO HSA AmeriHealth Advantage $25/$50 at $451 per month before subsidies. Plans sell through Get Covered New Jersey. Data refreshed 2026-04-19T08:08:55.462Z.
Does New Jersey require me to have health insurance?
Yes. Since 2019 NJ has had its own individual mandate under the Health Insurance Market Preservation Act. If you go without minimum essential coverage and don't qualify for an exemption, you owe a Shared Responsibility Payment when you file your NJ-1040: the greater of $695 per adult (plus $347.50 per child, household max $2,085) or 2.5% of household income above the NJ filing threshold, capped at NJ's statewide average Bronze plan annual premium.
What is NJ Health Plan Savings and how does it stack with federal subsidies?
NJHPS is a state premium subsidy that goes on top of your federal premium tax credit. Households up to 600% of the Federal Poverty Level can qualify (individual up to ~$93,900, family of four up to ~$192,900 for 2026). You must enroll through Get Covered NJ to receive it. It does not reduce your federal APTC; it's added on top, and it's especially valuable for middle-income households now that federal enhanced premium tax credits expired at the end of 2025.
Will I pay more for my plan in New Jersey if I smoke?
No. New Jersey is one of a handful of states that prohibits tobacco surcharges on individual ACA plans. Under NJ's Individual Health Coverage Program rules (N.J.S.A. 17B:27A and N.J.A.C. 11:20), tobacco status is not an allowable rating factor. Every NJ ACA carrier must quote you the same rate whether or not you use tobacco.
More New Jersey pricing
Sources
- Get Covered New Jersey for SBE enrollment, OEP dates, and NJ Health Plan Savings.
- NJ Treasury: Shared Responsibility Payment for individual mandate penalty structure and TY2026 Bronze-cap estimator.
- NJ DOBI: Section 1332 Reinsurance Waiver for the state reinsurance program design and federal approval.
- NJ Administrative Code Title 11 Chapter 20: IHC Program for the rating-factor enumeration that excludes tobacco.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.