Straight answers on group health benefits.
No jargon, no sales pitch. These are the things your current broker probably never explained - written for New Jersey and Pennsylvania employers of 25-1,000+ who want to understand what they're actually paying for.
Level-funded health plans in New Jersey and Pennsylvania, explained plainly
How level-funded plans work, how they compare to fully insured and self-funded, who they fit, and the honest tradeoffs. The structure worth modeling first for a healthy group.
How to switch your group health broker in New Jersey
What a Broker of Record letter does, what it doesn't change, the four steps, and why switching is easier than most employers assume.
What's actually inside your health insurance renewal
What a fully insured renewal letter says versus what it hides, how community rating works, and the questions to ask before you accept the number.
Why New Jersey small-group renewals keep going up
Community rating plus a one-way ratchet: healthy groups leave the ACA pool, and the next letter follows.
Level-funded surplus refunds: who actually keeps the money?
The honest answer depends on your plan document and how employees contribute. We explain the rules, and why some carriers avoid showing you the math.
New Jersey stop-loss floors and level-funded
For NJ small employers: $20,000 specific / 125% aggregate. Why NJ still permits small-group level-funded, and why open-state percentages do not copy-paste.
Fully insured vs level-funded vs self-funded
Three monthly-payment structures, who keeps surplus, and when level-funded is not a fit.
NJ group health carriers compared by size lane
2-50 community-rated versus 51+ underwritten. Horizon is a carrier, not the broker.
The BOR letter, timing, and what changes
A step-by-step on the Broker of Record process, notice rules for NJ groups, and how to move mid-cycle without disrupting your team's coverage.
How to get your insurance producer license in New Jersey
Want to earn from the introductions you already make? The full step-by-step to a NJ Accident & Health producer license - course, exam, fingerprinting, and the NIPR application - with every official state link.
Want it modeled on your own numbers?
Send three documents you already have. We run a no-cost analysis and tell you honestly whether there's an opportunity.
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