The health insurance industry in New Jersey features a mixture of regional and national players focused on providing essential medical coverage. It includes private agencies offering individual plans, employee benefits, and generational support services for Medicare recipients. As regulatory pressures increase and technology advances, companies are finding innovative ways to deliver cost-effective products while improving patient care through telemedicine and managed health strategies. Consumer awareness is also on the rise, and companies are adapting to meet the ever-evolving demands for transparency, personalization, and accessibility in health insurance services.


This list showcases 22 notable health insurance companies based in New Jersey, each with unique specialties and varied team sizes. Established from 1945 to 2010, these firms operate from different parts of the state, with offerings ranging from Medicare solutions to comprehensive group insurance plans. Many operate with lean teams, yet they have a significant impact in the industry due to their personalized services and deep knowledge of the insurance landscape.


Continue reading to learn about New Jersey's top health insurance companies.


Top 22 Health Insurance Companies in New Jersey


1. Association Member Trust (AMT)

  • Website: amt-nj.com
  • Ownership type: Private
  • Headquarters: Millburn, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1945
  • Headcount: 11-50
  • LinkedIn: association-master-trust

Association Member Trust (AMT), based in Millburn, New Jersey, has been a health insurance provider since its founding in 1945. The company specializes in offering a range of health-related plans and services, which include medical and dental insurance, life insurance options, and telemedicine services. AMT caters to both individual consumers and businesses, aiming to provide affordable healthcare solutions tailored to their needs. The company emphasizes customer service, as evidenced by testimonials from satisfied members who appreciate the support and care they receive. AMT's involvement in the health insurance industry is marked by its commitment to helping clients navigate their healthcare options effectively, ensuring they have access to necessary resources and information. With a workforce of 34 employees, AMT operates with a focus on personalized service, which is often highlighted by its members. The absence of reported funding indicates that AMT has maintained its operations independently, further showcasing its stability in the market.


2. Hafetz and Associates

  • Website: hafetzandassociates.com
  • Ownership type: Corporate
  • Headquarters: Linwood, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: August 2023
  • Founded year: 1986
  • Headcount: 11-50
  • LinkedIn: hafetz-and-associates

Hafetz and Associates, founded in 1986 and based in Linwood, New Jersey, is an insurance agency that specializes in employee benefits and Medicare services. With a team of 34 employees, the company provides a variety of health insurance products designed to meet the needs of both individuals and businesses. Their services include consulting on employee health products, assisting clients with claims management, and offering tailored insurance solutions. Hafetz and Associates is committed to staying updated on the ever-changing insurance market, ensuring that their clients receive personalized healthcare options. They also emphasize the use of advanced technology to enhance service delivery and client satisfaction. The agency has received accolades, including the 2023 Best of the Press Awards for 'Best Insurance Agency' and 'Best Insurance Agent', highlighting their standing in the industry. Additionally, they are affiliated with NFP Benefits Partners, which expands their reach and resources in the health insurance market.


3. Benefit Solutions

  • Website: benefitsolutions.com
  • Ownership type: Private
  • Headquarters: Wayne, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1986
  • Headcount: 1-10
  • LinkedIn: benefit-solutions

Benefit Solutions, based in Wayne, New Jersey, has been a prominent player in the health insurance and employee benefits consulting space since its founding in 1986. The company operates as an insurance brokerage, specializing in health insurance and employee benefit programs tailored to meet the needs of major corporations, small businesses, and individuals. With a focus on compliance and regulatory support, Benefit Solutions assists clients in navigating the complexities of the health insurance marketplace. Their team of independent agents and brokers prioritizes client interests, offering a variety of plans from highly rated insurance companies. The firm is recognized for its expertise in health insurance legislative reforms and actively engages in discussions at both state and federal levels. This involvement highlights their commitment to staying ahead of industry changes and advocating for their clients' needs.


4. Horizon Casualty Services, Inc.


Horizon Casualty Services, Inc., operating under the Horizon BCBSNJ brand, is a health insurance provider based in Newark, New Jersey. Established in 1994, the company specializes in offering medical policies and health benefits administration. It serves a variety of clients, including individuals and families seeking health insurance coverage, as well as healthcare providers who need clarity on coverage policies. The company is dedicated to managing the financial risks associated with medical care while ensuring access to affordable healthcare solutions. Horizon BCBSNJ plays a significant role in the health insurance industry in New Jersey, focusing on the needs of its members and the healthcare community. The company has not reported any funding, indicating it operates as a private entity without external financial backing.


5. The Diversified Companies

  • Website: thediv.com
  • Ownership type: Family Owned
  • Headquarters: Parsippany-Troy Hills, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1979
  • Headcount: 51-200
  • LinkedIn: the-diversified-companies

The Diversified Companies, based in Parsippany-Troy Hills, New Jersey, is a family-owned insurance agency that has been operational since 1979. The company specializes in a range of health insurance products, including Medicare Advantage plans, Medicare Supplements, ACA Plans, and Final Expense insurance. They primarily serve individuals seeking insurance solutions, with a particular focus on seniors and those under 65. The agency prides itself on helping clients navigate the often complex landscape of health insurance, ensuring that they find suitable plans that meet their specific needs. Their agents leverage relationships with various carriers to provide a broad spectrum of options, emphasizing personalized service and long-term support for their clients. This approach not only addresses immediate insurance needs but also fosters ongoing relationships, positioning The Diversified Companies as a trusted partner in health insurance.


6. Martin Insurance Group

  • Website: immartin.com
  • Ownership type: Family Owned
  • Headquarters: Cranbury, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1983
  • Headcount: 51-200
  • LinkedIn: martin-insurance-group-immartin-

Martin Insurance Group, established in 1983 and based in Cranbury, New Jersey, is a family-owned insurance agency dedicated to serving the insurance needs of individuals and families. The company specializes in Medicare Supplement Plans, also known as Medigap insurance, which help cover costs not included in original Medicare. As an independent broker, Martin Insurance Group collaborates with various top-rated insurance providers, allowing them to offer customized coverage options tailored to the unique needs of their clients. Their focus on personal service and extensive experience in the industry has enabled them to assist many clients across New Jersey, Pennsylvania, and Connecticut. The agency prides itself on its commitment to providing responsive and attentive service, ensuring that clients receive the support they need in navigating their insurance options.


7. Excess Reinsurance


Excess Reinsurance, founded in 1988 and based in Woodbury, New Jersey, is a private insurance company that specializes in stop loss insurance for self-funded health plans. With a dedicated team of 37 professionals, the company has built a reputation for providing customized insurance solutions that address the unique needs of its clients. Their offerings include traditional stop loss products, unique solutions, and shared risk arrangements, all designed to help businesses mitigate the financial risks associated with high medical claims. Excess Reinsurance also provides comprehensive support services, including underwriting, actuarial support, and claims management, ensuring that clients receive the expertise needed to navigate the complexities of healthcare benefits. Their commitment to innovation and quality service has allowed them to maintain strong relationships with clients across various industries, making them a significant player in the health insurance market.


8. First Jersey Insurance Agency, Inc.

  • Website: fjins.net
  • Ownership type: Private
  • Headquarters: Freehold Township, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1985
  • Headcount: 11-50
  • LinkedIn: first-jersey-insurance-agency-inc

First Jersey Insurance Agency, Inc., established in 1985, is based in Freehold Township, New Jersey. The agency provides a range of insurance and financial services, with a strong emphasis on health insurance solutions. They offer Medicare planning, individual health insurance plans, and life insurance, catering to both consumers and businesses. The agency prides itself on building trust and long-lasting relationships with clients, focusing on education to empower them in making informed decisions about their health and financial futures. Their team consists of independent insurance professionals who are trained to deliver tailored insurance solutions, ensuring clients receive maximum benefit and protection. First Jersey Insurance Agency operates primarily within the Tri-State Area, emphasizing their independence to better serve their clientele.


9. Globe Life American Income Division: Giglione Ackerman Organization


Globe Life American Income Division: Giglione Ackerman Organization, founded in 1982 and based in Edison, New Jersey, operates as a private insurance agency. The organization specializes in life insurance and supplemental health benefits, catering to individuals and families seeking financial protection against unexpected events. Their business model emphasizes direct engagement with clients, utilizing virtual interviews to provide personalized service. This approach not only enhances customer experience but also reflects a shift towards more accessible insurance solutions. The company is part of the larger Globe Life family, which has a significant presence across the United States, indicating a robust operational framework. Their offerings include not only life insurance but also supplemental health and accident insurance, dental benefits, and various no-cost products aimed at enhancing client value. The organization is also involved in community initiatives, demonstrating a commitment to social responsibility alongside their business objectives.


10. Insurance Design Administrators

  • Website: idatpa.com
  • Ownership type: Private
  • Headquarters: Oakland, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1983
  • Headcount: 11-50
  • LinkedIn: insurance-design-administrators

Insurance Design Administrators (IDA), founded in 1983, is a private third-party administrator based in Oakland, New Jersey. The company specializes in health insurance services, offering solutions such as claims processing, pharmacy access, and reinsurance management. IDA serves a variety of clients, including employers, unions, and health funds, emphasizing transparency and cost control in health benefits management. With a focus on self-funding, IDA has processed over $100 million in payments in the past year and manages more than $15 million in reinsurance premiums. The company is fully licensed and conducts annual audits to maintain high standards in the industry. IDA's team is recognized for their expertise, with many members actively participating in professional associations. Their operational model is designed to provide personalized service, ensuring that clients have direct access to knowledgeable representatives.


11. Medi-Solutions Insurance Agency, LLC

  • Website: medi-solutions.org
  • Ownership type: Private
  • Headquarters: Freehold Township, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: December 2023
  • Founded year: 1985
  • Headcount: 11-50
  • LinkedIn: medi-solutions-insurance-agency-llc

Medi-Solutions Insurance Agency, LLC, founded in 1985 and based in Freehold Township, New Jersey, is a private insurance agency that offers a variety of insurance products. Their primary focus includes Medicare coverage, health insurance, life insurance, and retirement planning services. The agency operates through a network of licensed agents across all 50 states, providing tailored assistance to clients. Medi-Solutions aims to help consumers navigate the complexities of healthcare costs and secure their financial futures. Their team of independent insurance professionals is trained to educate clients on various insurance products, ensuring that individuals receive the necessary guidance to make informed decisions. The agency's mission emphasizes the importance of not just having a policy, but also having a comprehensive plan to address clients' needs.


12. Cosmo Insurance Agency

  • Website: cosmoins.com
  • Ownership type: Private
  • Headquarters: Lakewood, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2009
  • Headcount: 11-50
  • LinkedIn: cosmo-insurance-agency

Cosmo Insurance Agency, founded in 2009 and based in Lakewood, New Jersey, is a private insurance agency that offers a wide array of insurance products. The agency serves both individuals and businesses, focusing on health insurance, dental, life, long-term care, disability, and employee benefits. With a team of 11 to 50 employees, Cosmo emphasizes personalized service, helping clients find affordable and comprehensive coverage tailored to their specific needs. They have developed a reputation for their customer service, with a dedicated support team available to assist clients throughout the insurance process. Cosmo has expanded its offerings over the years, adapting to market demands and ensuring that clients receive competitive rates and effective solutions. Their involvement in the industry is marked by a commitment to advocacy and education, helping clients understand their options and navigate the complexities of insurance. Cosmo Insurance Agency has not reported any funding, indicating a self-sustained growth model.


13. Delta Dental of New Jersey and Connecticut


Delta Dental of New Jersey and Connecticut is a private dental insurance provider based in Parsippany-Troy Hills, New Jersey. Founded in 1969, the company offers a range of dental plans tailored for individuals, families, and groups. Their services extend beyond dental insurance to include hearing savings and vision insurance, reflecting a commitment to enhancing overall health care access. Delta Dental operates under the Delta Dental Plans Association, which allows it to provide coverage across all 50 states, Puerto Rico, and other U.S. territories. The company emphasizes quality dental benefits and promotes oral health through various initiatives. With a workforce of approximately 290 employees, Delta Dental is actively involved in community outreach and education regarding oral health, aiming to make dental care accessible to a broader audience.


14. Meyer Insurance Agency, Inc.


Meyer Insurance Agency, Inc., founded in 1954, is a private insurance agency based in Medford, New Jersey, with a strong presence in South Dakota. The agency specializes in a wide range of insurance products, including health insurance, business insurance, and personal insurance. They offer individual life insurance, group health insurance, group dental insurance, and disability insurance, catering to the needs of individuals, families, and businesses. Meyer Insurance prides itself on providing personalized service and customized coverage options, ensuring that clients receive the right protection for their unique situations. The agency operates from two locations in Watertown and Webster, South Dakota, and is known for its community involvement and commitment to client satisfaction. As an independent agency, Meyer Insurance collaborates with several top-rated insurance companies, allowing them to present clients with multiple coverage options and competitive pricing.


15. Savoy Associates

  • Website: savoyassociates.com
  • Ownership type: Corporate
  • Headquarters: Berkeley Heights, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: February 2012
  • Founded year: 1984
  • Headcount: 51-200
  • LinkedIn: savoy-associates

Savoy Associates, founded in 1984 and based in Berkeley Heights, New Jersey, operates as a general agency specializing in health insurance and employee benefits. With a workforce of approximately 116 employees, the company has established itself as a strategic partner for insurance brokers and agencies. Savoy offers a comprehensive suite of services that includes group benefits, specialty benefits, life insurance, and compliance support. They are particularly focused on helping brokers navigate the complexities of health insurance offerings, ensuring that their clients can provide effective solutions to their customers. Operating in over 40 states, Savoy maintains strong relationships with numerous health insurance carriers, allowing them to offer a wide array of employee benefits plans. Their commitment to education and support for brokers is evident through initiatives like the Savoy Academy, which provides training and resources to enhance brokers' capabilities in the market.


16. INDECS Corporation

  • Website: indecscorp.com
  • Ownership type: Private
  • Headquarters: Lyndhurst, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1983
  • Headcount: 11-50
  • LinkedIn: indecs-corporation

INDECS Corporation, based in Lyndhurst, New Jersey, has been a player in the health benefits administration sector since its inception in 1983. The company specializes in self-funded employee benefit plans, catering primarily to small and medium-sized businesses as well as organized labor groups. INDECS offers a range of services including claims processing, pharmacy benefit management, and medical management, which help clients control costs and customize their health plans. With a focus on customer satisfaction, INDECS acts as an extension of its clients' management teams, ensuring that health benefits are administered efficiently and effectively. The company has a history of helping clients save significantly on their health benefit costs, making it a relevant choice for organizations looking to optimize their employee benefits. INDECS operates entirely within the United States and has maintained a consistent presence in the industry for over four decades.


17. Legacy Planning Group, LLC

  • Website: lpgnj.com
  • Ownership type: Private
  • Headquarters: Keyport, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2010
  • Headcount: 11-50
  • LinkedIn: legacy-planning-group-llc

Legacy Planning Group, LLC, operating under the name Legacy Insurance Group, is an independent insurance agency based in Keyport, New Jersey. Founded in 2010, the company has grown to employ between 11 and 50 individuals. They provide a wide array of insurance products, including personal, business, life, health, and Medicare insurance. Their services cater to both individual consumers and businesses, helping clients navigate the complexities of the insurance market. Legacy Insurance Group operates in New Jersey, New York, Pennsylvania, and Florida, emphasizing expert guidance to help clients find suitable coverage tailored to their specific needs. As an independent agency, they collaborate with various reputable insurance carriers, allowing them to offer competitive pricing and comprehensive coverage options. Their health insurance offerings include individual and family plans, disability insurance, long-term care insurance, and group health benefits, positioning them as a resource for clients seeking health-related coverage.


18. ACA Obamacare

  • Website: acaobamacare.com
  • Ownership type: Private
  • Headquarters: Hillside, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 65%, India 35%
  • Founded year: 2010
  • Headcount: 51-200
  • LinkedIn: acaobamacare

ACA Obamacare, officially known as Easy Quote Health Insurance Agency Inc., is a health insurance agency based in Hillside, New Jersey. Founded in 2010, the company specializes in helping individuals and families secure health insurance coverage. It provides access to the Health Insurance Marketplace, Medicaid, and the Children's Health Insurance Program (CHIP), guiding clients through the often complex process of selecting suitable health insurance plans. With a workforce of around 51 to 200 employees, ACA Obamacare operates primarily in the United States, with a notable portion of its workforce based in India. The agency's focus is on facilitating access to affordable health insurance options, making it a resource for those seeking coverage rather than a direct insurer. The company has not reported any funding, indicating it operates independently without external financial backing.


19. Whitney H. Roddy, Inc.

  • Website: whroddy.com
  • Ownership type: Private
  • Headquarters: Bloomfield, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1916
  • Headcount: 11-50
  • LinkedIn: whitney-h-roddy-inc-

Whitney H. Roddy, Inc. is an insurance agency based in Bloomfield, New Jersey, with a history that dates back to 1916. Founded by John M. Roddy, the agency has evolved through four generations of family leadership, maintaining a strong commitment to personalized service. The company offers a range of insurance products, including homeowners, business, life, and health insurance. Their health insurance offerings include Medicare Supplement plans, Part D prescription drug coverage, and long-term care insurance. Whitney H. Roddy, Inc. prides itself on understanding the unique needs of its clients, providing tailored solutions that reflect their individual circumstances. The agency emphasizes building long-term relationships with clients, ensuring they receive the guidance and support necessary to navigate their insurance needs effectively. With a dedicated team of professionals, the agency continues to adapt to the changing insurance landscape while upholding its tradition of service excellence.


20. Centric Benefits Consulting

  • Website: centricbenefits.com
  • Ownership type: Family Owned
  • Headquarters: New Providence, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1995
  • Headcount: 1-10
  • LinkedIn: centric-benefits-consulting

Centric Benefits Consulting, based in New Providence, New Jersey, has been operating since 1995 as a family-owned insurance brokerage. The firm specializes in employee benefits solutions, offering a range of products including medical, dental, life, and vision insurance. With a client base of over 200 group insurance clients, Centric Benefits Consulting provides tailored services that include soliciting competitive quotes, analyzing current benefits for cost savings, and facilitating customer service issues related to claims and billing. Their approach emphasizes understanding the unique needs of each client, ensuring that the benefits programs they design are both effective and cost-efficient. The company has not reported any funding, indicating a stable, self-sustaining operation within the insurance industry.


21. Allwood Forlenza Agency

  • Website: afcainsurance.com
  • Ownership type: Private
  • Headquarters: Fairfield, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1939
  • Headcount: 11-50
  • LinkedIn: allwood-forlenza-agency

Allwood Forlenza Agency, based in Fairfield, New Jersey, has been a fixture in the insurance industry since its founding in 1939. This privately owned agency specializes in a wide array of insurance products, including personal, commercial, and health insurance. With a team of 19 employees, they pride themselves on a hands-on approach to client service, conducting on-site assessments and providing in-house claims support. Their health insurance offerings include individual and family plans, group health insurance, dental and vision coverage, and supplemental insurance options. This extensive range of services reflects their commitment to meeting the needs of both individuals and businesses. The agency's longevity and focus on customer service have helped them maintain relevance in a competitive market.


22. Insurance Administrator of America

  • Website: iaatpa.com
  • Ownership type: Corporate
  • Headquarters: Cherry Hill, New Jersey, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: September 2021
  • Founded year: 1990
  • Headcount: 11-50
  • LinkedIn: insurance-administrator-of-america-inc.

Insurance Administrator of America (IAA), founded in 1990 and based in Cherry Hill, New Jersey, is an employee benefits administrator that specializes in creating and managing custom benefit plans. The company serves a variety of clients, including employers, brokers, and members, by offering tailored healthcare solutions that enhance the benefits experience. IAA focuses on self-funded plans, health savings accounts, and other flexible spending options, aiming to provide cost-effective and personalized healthcare solutions. With a small team of around 20 employees, IAA emphasizes a high level of service and customization to meet the unique needs of their clients. They have developed a range of products, including COBRA administration and retiree reimbursement plans, which further showcase their commitment to comprehensive employee benefits management. IAA operates entirely within the United States and has not reported any recent funding, indicating a stable, self-sustaining business model.



Health Insurance Insights: Key Companies in New Jersey


CompanyHeadquarterSizeFoundedOwnership
Association Member Trust (AMT)Millburn, New Jersey, United States (USA)11-501945Private
Hafetz and AssociatesLinwood, New Jersey, United States (USA)11-501986Corporate
Benefit SolutionsWayne, New Jersey, United States (USA)1-101986Private
Horizon Casualty Services, Inc.Newark, New Jersey, United States (USA)11-501994Private
The Diversified CompaniesParsippany-Troy Hills, New Jersey, United States (USA)51-2001979Family Owned
Martin Insurance GroupCranbury, New Jersey, United States (USA)51-2001983Family Owned
Excess ReinsuranceWoodbury, New Jersey, United States (USA)11-501988Private
First Jersey Insurance Agency, Inc.Freehold Township, New Jersey, United States (USA)11-501985Private
Globe Life American Income Division: Giglione Ackerman OrganizationEdison, New Jersey, United States (USA)51-2001982Private
Insurance Design AdministratorsOakland, New Jersey, United States (USA)11-501983Private
Medi-Solutions Insurance Agency, LLCFreehold Township, New Jersey, United States (USA)11-501985Private
Cosmo Insurance AgencyLakewood, New Jersey, United States (USA)11-502009Private
Delta Dental of New Jersey and ConnecticutParsippany-Troy Hills, New Jersey, United States (USA)201-5001969Private
Meyer Insurance Agency, Inc.Medford, New Jersey, United States (USA)11-501954Private
Savoy AssociatesBerkeley Heights, New Jersey, United States (USA)51-2001984Corporate
INDECS CorporationLyndhurst, New Jersey, United States (USA)11-501983Private
Legacy Planning Group, LLCKeyport, New Jersey, United States (USA)11-502010Private
ACA ObamacareHillside, New Jersey, United States (USA)51-2002010Private
Whitney H. Roddy, Inc.Bloomfield, New Jersey, United States (USA)11-501916Private
Centric Benefits ConsultingNew Providence, New Jersey, United States (USA)1-101995Family Owned
Allwood Forlenza AgencyFairfield, New Jersey, United States (USA)11-501939Private
Insurance Administrator of AmericaCherry Hill, New Jersey, United States (USA)11-501990Corporate


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