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 employers of 25-250 who want to understand what they're actually paying for.
Level-funded health plans in New Jersey, 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.
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.
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.
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