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For New Jersey employers
New Jersey group health carriers
Five names. Two lanes. Public facts only - no rate table, no PDF dump, no compensation. Then an analysis if you want a second look.
The short version
- Horizon, AmeriHealth, Oxford: the 2-50 ACA fully insured lane. Quotes can be instant.
- Aetna AFA and Cigna: level-funded names. Not instant.
- Oxford/United also write level-funded.
- Horizon is a carrier, not the broker.
| Carrier | 2-50 ACA FI | Level-funded |
|---|---|---|
| Horizon | Yes, often instant | Yes |
| AmeriHealth | Yes, often instant | Yes |
| Oxford / UHC | Yes, often instant | Yes |
| Aetna AFA | No | Yes |
| Cigna | No | Yes |
Size-lane detail: carriers compared. Funding structures: FI vs LF vs self-funded.
Questions owners actually ask
Which carriers write New Jersey small-group ACA?
AmeriHealth, Horizon, and Oxford are the names on the 2-50 fully insured map. Quotes can run instantly.
Which carriers write level-funded in New Jersey?
Aetna AFA, Cigna, Oxford/United, Horizon, and AmeriHealth all have a level-funded product. Cigna is mainly that lane.
Educational, for New Jersey employers. Public facts only. Not a quote, not a rate table, and not a PDF dump of carrier manuals.
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