ACA Marketplace options: North Brunswick (Middlesex County), zip code 08116, single 40 year old
Income $60,000 (no subsidies)
Bronze: 5 plans, premium range $279-$440 per month. All bronze plans have $3,000 individual deductibles. No services before deductible with the exception of the most expensive bronze plan, Horizon OMNIA at $440/month, which has primary care doctor visits at $30 each, not subject to deductible. This plan also has the highest out-of-pocket (OOP) max. OOP maxes ranges from $6750 to max allowable $7900 (OMNIA).
Silver: 11 plans, premium range $342-764/month. 7 have services not subject to deductible; 3 are HSAs. Deductibles range from $1500-2500; OOP maxes range from $5000 (HSA plan) to $7500.
Gold: 5 plans, premium range $538-800/month. Deductible range $1000-2500. All have services not subject to deductible. OOP max range $2500-6000.
Income $30,000 (lowest level CSR)
Showing silver plans only -- other metal level benefits don't differ by income
40 year old
11 plans, premium range $200-623/month, deductible range $1200-2500. 7 plans with services before deductible; 3 HSAs. Oop max range $4500-6300.
Bronze plans at $60,000 income (no subsidy)
Silver plans at $60,000 income (no subsidy). Showing first 9 of 11 (ranked by premium)
Gold plans - income $60,000 (no subsidy)
Silver plans - income $30,000 (lowest level CSR, 73% AV). Showing 9 of 11
A note on variations by county: While all rating areas in NJ have the same premiums for each plan, not all rating areas have all plans offered in the state, which led to variations in price spreads. Middlesex county, showed here, had the dominant pattern, available in most of the state. The map below, from a Kaiser Family Foundation tool that shows prices by county at each metal level and different income levels, shows where NJ offers varied; click through to the tool to see the counties named.
Income $60,000 (no subsidies)
Bronze: 5 plans, premium range $279-$440 per month. All bronze plans have $3,000 individual deductibles. No services before deductible with the exception of the most expensive bronze plan, Horizon OMNIA at $440/month, which has primary care doctor visits at $30 each, not subject to deductible. This plan also has the highest out-of-pocket (OOP) max. OOP maxes ranges from $6750 to max allowable $7900 (OMNIA).
Silver: 11 plans, premium range $342-764/month. 7 have services not subject to deductible; 3 are HSAs. Deductibles range from $1500-2500; OOP maxes range from $5000 (HSA plan) to $7500.
Gold: 5 plans, premium range $538-800/month. Deductible range $1000-2500. All have services not subject to deductible. OOP max range $2500-6000.
Income $30,000 (lowest level CSR)
Showing silver plans only -- other metal level benefits don't differ by income
40 year old
11 plans, premium range $200-623/month, deductible range $1200-2500. 7 plans with services before deductible; 3 HSAs. Oop max range $4500-6300.
Bronze plans at $60,000 income (no subsidy)
Silver plans at $60,000 income (no subsidy). Showing first 9 of 11 (ranked by premium)
Gold plans - income $60,000 (no subsidy)
Silver plans - income $30,000 (lowest level CSR, 73% AV). Showing 9 of 11
A note on variations by county: While all rating areas in NJ have the same premiums for each plan, not all rating areas have all plans offered in the state, which led to variations in price spreads. Middlesex county, showed here, had the dominant pattern, available in most of the state. The map below, from a Kaiser Family Foundation tool that shows prices by county at each metal level and different income levels, shows where NJ offers varied; click through to the tool to see the counties named.
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