A fuel cell voltage monitor (12a, 12b, 40, 140, 440) detects and may respond to, a problematic operating condition at or near a fuel cell (10) or within a subset (n) of fuel cells, as in a fuel cell stack assembly (110). Two or more co-planar, spaced voltage leads or contacts in a fuel cell plane, as at a separator plate, detect the presence of a voltage difference within the plate/plane as an indication of an operating problem at or near the fuel cell. Placement of such arrangements of at least two spaced voltage leads at various subset intervals (n), of fuel cells in a stack assembly allow monitoring for such problems throughout the stack assembly, either by analysis of voltage difference between co-planar leads at respective individual fuel cells or by comparison of voltage differences between aligned pairs of voltage leads at opposite ends of a subset.