In New Jersey, people buying individual-health-insurance plans through Get Covered New Jersey may face shocking price rises next year. The New Jersey Department of Banking and Insurance says base rate increases average about 16.6%. But when loss of enhanced federal tax credits is added in, premiums could climb as much as ~174% for many enrollees. These enhanced credits helped thousands of residents in recent years. About 91% of marketplace enrollees (over 466,000 people) currently get those subsidies. Without them, many households will pay thousands more annually. This matters now: open enrollment starts November 1, and plan decisions will be more financially significant than usual.