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| Home > Insurance Division > Health Insurance Programs |
| Health Insurance Programs - IHC/SEH |
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In 1992, the New Jersey Legislature created two programs
to guarantee access to health coverage for individuals
and small employers, regardless of health status, age,
claims history, or any other risk factor.
The Individual
Health Coverage Program ("IHC") and the Small Employer
Health Benefits Program ("SEH") have reformed the
individual and small employer (employers with 2-50 employees)
health insurance markets. |
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The IHC Program has been fully operational, as a standardized,
open-enrolled, community rated market, since August 1, 1993. Individual coverage is available to anyone who is a resident
of New Jersey and does not have access to employer-based group
insurance or Medicare.
The SEH Program went into effect on
January 1, 1994, with the sale of standardized, open-enrolled,
modified community rated plans. Small employers (those with
2-50 full-time employees) may choose to purchase standardized
health benefits plans, offered by all carriers, or, under
certain conditions, they may purchase or renew pre-reform
("non-standard") plans. |
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More information on the... |
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| Contact Information: |
Individual Health Coverage Program (IHC)
P.O. Box 325
Trenton, NJ 08625-0325
Phone: 609-633-1882
Fax: 609-633-2030
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Small Employer Health Benefits Program (SEH)
P.O. Box 325
Trenton, NJ 08625-0325
Phone: 609-633-1882
Fax: 609-633-2030 |
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