New Jersey
Cheapest ACA plans in Newark, New Jersey for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Newark is in Essex County, New Jersey. 5 carriers sell 2026 ACA plans on Get Covered New Jersey for residents of Essex County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $451/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Essex County, including Newark.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Newark (Essex 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 Essex County |
|---|---|---|
| Catastrophic | $341 | 2 |
| Expanded Bronze | $451 | 9 |
| Silver | $545 | 19 |
| Gold | $700 | 7 |
The actual cheapest Bronze plan in Newark
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 Newark
5 carriers sell 2026 plans on Get Covered New Jersey for Essex County residents. 59 plans total in Essex 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 |
What you'll actually pay in Newark
Estimated monthly net premium for the cheapest Bronze plan above ($451/mo before subsidy) on Get Covered New Jersey, after federal APTC and New Jersey Health Plan Savings. APTC is computed against the Essex Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | State subsidy | Cheapest Bronze net |
|---|---|---|---|---|
| $25,000 | 160% | $455/mo | $30/mo | $0/mo |
| $40,000 | 256% | $265/mo | $95/mo | $91/mo |
| $60,000 | 383% | $54/mo | $95/mo | $302/mo |
| $100,000 | 639% | — | — | $451/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | State subsidy | Cheapest Bronze net |
|---|---|---|---|---|
| $40,000 | 124% | — | — | Medicaid likely |
| $80,000 | 249% | $1,205/mo | $160/mo | $78/mo |
| $130,000 | 404% | — | $400/mo | $1,043/mo |
| $200,000 | 622% | — | — | $1,443/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Newark, 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. Newark is in Essex County, New Jersey; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Newark's 2026 ACA pricing compare to other New Jersey cities?
Cheapest Bronze for a 40-year-old in Newark is $451 per month before subsidies. For comparison: Jersey City at $451/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
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
- Statewide New Jersey pricing and metal tiers
- Jersey City pricingcheapest Bronze $451/mo
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. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.