Requires health insurance carriers to offer clear cost share plans for individual health benefits plans.

New Jersey's S 1308 requires health insurance carriers offering individual health plans to provide standardized "clear cost share plans" for each metal tier (bronze, silver, gold), mirroring federal Affordable Care Act standards. These plans must include transparent, consistent copayments, deductibles, and coinsurance for covered services, designed to reduce financial barriers to care and improve consumer choice through standardized cost structures. Insurers may offer up to three modified plans per tier if approved with actuarial certification proving consumer benefits, but the state exchange must prioritize unmodified clear cost share plans. The bill directly affects individual health insurance consumers and carriers operating in New Jersey's individual market, aiming to simplify plan comparisons and promote high-value care access.