NJ group health carriers compared by size lane
New Jersey quotes run in two lanes: community-rated ACA 2-50, and medically underwritten 51+. Horizon is a carrier, not the broker. This is not a national best-carriers list and not a rate table.
The short version
- 2-50 fully insured: AmeriHealth, Horizon, Oxford. Quotes can be instant.
- 51+: medically underwritten, regardless of carrier.
- Level-funded under 50: Aetna, Cigna, Trustmark, Oxford/United. Not instant.
- Level-funded 50+: Aetna, Cigna, United.
The two size lanes
| Lane | What it is | Who you usually see | Turnaround |
|---|---|---|---|
| ACA 2-50 | Community-rated fully insured | AmeriHealth, Horizon, Oxford | Instant |
| LF under 50 | Underwritten on the group's own claims | Aetna, Cigna, Trustmark, Oxford/United | Hours to two weeks |
| LF 50+ | Medically underwritten | Aetna, Cigna, United | A few days |
Names move. This is the map, not a quote. Carrier pages, when they exist, live under /carriers/. Until then, this table is enough.
Questions owners actually ask
About 1-50 lives is usually the community-rated ACA small-group market. Quotes can run instantly. At 51+, fully insured cases are medically underwritten. Level-funded uses a 50+ cut in the table below. That split is how New Jersey quotes actually work.
The names you see in the 2-50 fully insured lane are typically AmeriHealth, Horizon, and Oxford. This is not a rate table and not a recommendation.
Under 50, level-funded is commonly Aetna, Cigna, Trustmark, and Oxford/United. At 50+ level-funded, Aetna, Cigna, and United are the names that show up most. Turnaround is not instant the way ACA community-rated quotes are.
No. Horizon is a carrier. ClearPlan is a broker. This page compares who writes which size lane, then sends you to an analysis if you want a second look.
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