ACA Marketplace
Individual & Family
Health Plans
We'll check if you qualify for a subsidy, show you what plans are available in your area, and help you pick one that fits your family and budget.
Understanding Metal Tiers
ACA plans are grouped into four tiers based on how costs are shared between you and the plan. All tiers cover the same essential benefits.
Bronze
- Plan Pays
- ~60%
- Premium
- Lowest
- Deductible
- Highest
Best For
Healthy individuals who want low premiums and mostly need catastrophic protection.
Silver
- Plan Pays
- ~70%
- Premium
- Moderate
- Deductible
- Moderate
Best For
A balanced option, especially if you qualify for cost-sharing reductions (CSR), which only apply to Silver plans.
Gold
- Plan Pays
- ~80%
- Premium
- Higher
- Deductible
- Lower
Best For
People who expect regular medical care and want predictable costs at the point of service.
Platinum
- Plan Pays
- ~90%
- Premium
- Highest
- Deductible
- Lowest
Best For
Those with frequent medical needs who prefer paying more monthly to minimize out-of-pocket costs per visit.
Save on Coverage
Premium Tax Credits & Cost-Sharing Reductions
Premium Tax Credits (PTCs) and Cost-Sharing Reductions (CSRs) can significantly lower your monthly premium and out-of-pocket expenses. For 2026, eligibility is based on household income between 100% and 400% of the Federal Poverty Level. (The temporary expanded subsidy rules from 2021-2025 expired December 31, 2025.)
Cost-Sharing Reductions are only available on Silver-tier plans, making Silver an especially valuable choice for those who qualify.
Eligibility at a Glance
- Household income between 100% and 400% of the Federal Poverty Level (2026 rules)
- Not eligible for other qualifying coverage (employer, Medicare, Medicaid)
- U.S. citizen or lawfully present resident
- File a federal tax return for the coverage year
- Enrolled in a marketplace plan (not purchased off-exchange)
10 Essential Health Benefits
All ACA marketplace plans are required by law to cover these ten categories of services, regardless of the metal tier you choose.
Enrollment Windows
When Can I Enroll?
Open Enrollment Period
November 1 - January 31 (New Jersey GetCoveredNJ)
The annual window when anyone can enroll in or change their marketplace health plan for the upcoming year. New Jersey's state marketplace (GetCoveredNJ) closes January 31 — two weeks later than the federal marketplace.
Special Enrollment Period (SEP)
Certain qualifying life events open a 60-day Special Enrollment Period outside of Open Enrollment.
Qualifying Life Events for SEP
- Loss of existing health coverage (job loss, aging off a parent's plan)
- Marriage, divorce, or legal separation
- Birth or adoption of a child
- Moving to a new state or coverage area
- Change in income that affects subsidy eligibility
- Becoming a U.S. citizen or gaining lawful presence
Find Out What You Qualify For
A licensed NJ advisor will check your subsidy eligibility, compare plans, and find the best fit for your household — free, no pressure.