Health insurance cost in New Jersey
The benchmark silver Marketplace plan for a 40-year-old costs $545 a month in New Jersey in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.
Health insurance cost
$545
a month
A year
$6,540
Rank
16 of 51
1 = cheapest; −13% vs U.S.
| State | Health insurance cost | Rank |
|---|---|---|
| Hawaii | $541 | 14 |
| Oregon | $543 | 15 |
| New Jersey | $545 | 16 |
| Colorado | $557 | 17 |
| South Carolina | $564 | 18 |
| U.S. | $625 | - |
Common questions
How much is health insurance in New Jersey?
The benchmark silver Marketplace plan for a 40-year-old costs $545 a month in New Jersey in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.
Is health insurance in New Jersey expensive?
New Jersey ranks 16 of 51 (1 = cheapest). The U.S. average is $625 a month.
Add it to a full month with the budget by state tool.
More for New Jersey: monthly budget · take-home pay · rent.