But your other information is just wrong. You said if you make too much you don't qualify for federal subsidies in which case you go to the NJ site. The plans are similar.

This is wrong.

1. NJ residents cannot use the Federal site. Period. There is no option. You can't compare the two because you have no other option under ACA.

2. Yes there are income limits that apply to federal and state subsidies. However, you can't pick and choose which site you use to try and get different subsidies. You can only use the NJ site. If you try to use the Federal site you are redirected to the NJ site. The NJ site will apply all subsidies you are entitled to have. You may choose to get them monthly to reduce your payment or annually in tax refund.

3. If you don't like the ACA plans you can go private. If you don't earn enough you may qualify for Medicaid. The site will calculate which based on income. If you need medicaid then go to NJ Family Care https://njfamilycare.dhs.state.nj.us/ to apply.