- 75%+ of shoppers can find a premium at or below $50 a month
- About 100 plans on average from five to six insurers
- Average of 35 HSA-eligible plans per shopper
- Nearly 90% of the lowest-cost premium paid by tax credits for those eligible
- Open enrollment on HealthCare.gov runs November 1, 2026 through January 15, 2027. State exchanges set their own windows; New Jersey's runs November 1, 2026 to January 31, 2027 for on- and off-exchange plans.
- CMS says the lowest-cost catastrophic plan averages nearly 10% less than the next lowest-cost plan at other levels. These plans include co-pay-free preventive care and pre-existing condition protections.
- The fact sheet gives no average benchmark premium change or after-subsidy average. Independent estimates of a median increase around 15% are already on this Tab, so compare your own plan's renewal price before auto-renewing.
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