How a $0 plan actually works
A $0 plan isn't free coverage with no rules — it's a marketplace plan whose premium is fully covered by your subsidy. You still have a deductible and copays depending on the plan, but your monthly premium is $0.
This is most common on certain Bronze and Silver plans for households in the lower-to-middle part of the subsidy range.
Who qualifies for a $0 plan in New Jersey
Eligibility depends on income and household size. Many New Jersey residents earning modest incomes — especially self-employed people and those between jobs — find at least one $0 option. Higher earners typically won't see $0 but may still get a meaningful subsidy.
How to find your $0 plan
Enter your income and household in a licensed enrollment tool. It applies your subsidy and shows any $0 plans available to you, alongside low-cost options with better benefits. Compare total cost — premium plus deductible — not just the $0.