Picking a health insurance plan for your company is no easy task. You want the best rate, but also want to give your employees access to the best coverage possible. When getting health insurance in New Jersey, you want to use state guidelines to direct your buying decisions.

Most small business owners set out to first find low cost health insurance in New Jersey. After you compare cost effective New Jersey health insurance plans, you can settle on the policy with the optimum amount of medical coverage.

1. Locate New Jersey health insurance carriers. Once you narrow down your choices to select a few, you can decide on one of their New Jersey health insurance plans.
2. Get quotes for New Jersey health insurance agents. Contact New Jersey health insurance providers about the different plans and costs associated with these policies.
3. Enroll with your selected New Jersey health insurance provider. Arrange for information about the New Jersey health insurance policy to be distributed amongst your employees.

Action Steps
The best contacts and resources to help you get it done

Investigate New Jersey health insurance plans

New Jersey offers an immense amount of statewide health insurance plans. Business owners must decide what type of health insurance in New Jersey they desire for their company. Options include managed care plans, point of service policies, major medical coverage and more.

I recommend: Put in your zip code on the Health Plan One webpage to receive a list of available New Jersey health insurance plans in your area. You can then proceed to receive a quote on plans that you are interested in. The eHealth Insurance site also caters to small business owners looking for different New Jersey insurance plans for their employees. Horizon Blue Cross Blue Shield of New Jersey is the largest provider of medical insurance in New Jersey. An insurance agent can help you select among multiple New Jersey health insurance carriers; find one through the Independent Insurance Agents & Brokers of New Jersey.

Get a list of New Jersey health insurance providers

After deciding on the type of New Jersey health insurance, you'll want to access a comprehensive list of statewide health insurance companies that offer this type of policy. You can then contact New Jersey health insurance agents to get quotes on different premium rates.

I recommend: Through the State of New Jersey website, you can find a complete listing of New Jersey small employer health insurance carriers. The site provides you with the name of each insurance carrier and their contact information. Companies included within the list are Aetna, Oxford, Amerihealth and Horizon.

Enroll with a New Jersey health insurance carrier and adjust coverage as needed

Once you are finished selecting one of the New Jersey health insurance carriers, you can enroll your employees into the policy. Your agent sets up a premium payment schedule and gives you a policy handbook to distribute to employees.

I recommend: Use the handbooks and guidelines on the Health Insurance Resource Center go figure out the type of premium fee schedule you’ll need to make while enrolled in a New Jersey health insurance plan.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  You need to make sure that your company is eligible for New Jersey group health insurance coverage before enrolling. Most carriers require that your company has a minimum of two employees, meets the minimum employer contribution percentage and proves to be a legitimate business organization.