Group Health Insurance in New Jersey
Support Your Team. Strengthen Your Business.
Offering health benefits isn’t just smart—it’s essential. At BEW Financial Solutions, we help small businesses across the North Jersey area provide group health insurance that supports employee well-being, attracts talent, and meets ACA and private plan requirements—without the guesswork.
What Does Group Health Insurance Cover?
Group health insurance provides medical, preventive, and sometimes dental or vision coverage to employees and their families—often at a lower cost than individual plans.
Common Coverage Areas:
What Does Life Insurance Cover?
Life insurance is more than a payout—it’s a plan that ensures your family’s future stays on track, even if you’re no longer there to lead it. From mortgage protection to legacy planning, the right policy offers financial security and peace of mind.
Types of Life Insurance We Offer:
Term Life Insurance
Affordable, time-limited protection designed to cover your family during key years—like raising children or paying off your home.
Whole Life Insurance
Lifelong coverage that builds cash value over time. A great option for estate planning, final expense coverage, or long-term savings.
Universal Life Insurance
Flexible protection that combines lifelong coverage with adjustable premiums and a savings component.
Final Expense Insurance
A simple, affordable way to ensure funeral costs and other end-of-life expenses are covered—so your family isn’t left with unexpected bills.
Doctor Visits & Preventive Care
Covers regular checkups, vaccinations, and screenings to keep your team healthy and productive.
Hospital & Emergency Services
Includes coverage for surgeries, inpatient care, and ER visits when the unexpected happens.
Prescription Drugs
Many group plans include access to generic and brand-name medications with manageable copays.
Mental Health Services
Coverage often includes therapy, counseling, and substance abuse treatment options.
Dental & Vision Add-Ons
Some plans can bundle or offer supplemental coverage for dental and vision needs.
Who Needs Group Health Insurance?
If your business has between 1–50 employees in New Jersey and you want to offer valuable benefits while staying competitive in the job market—group health insurance is the answer.
It’s especially important for:
- Small businesses offering benefits for the first time
- Companies trying to attract and retain top talent
- Employers seeking tax advantages through pre-tax premiums
- Organizations required to offer benefits under ACA or contracts
- Teams that want ongoing support from a local advisor
Offering group health insurance not only boosts morale—it positions your business as one that cares.
Why North Jersey Employers Trust BEW for Group Health Plans
Marketplace & Private Options
We help you understand the pros and cons of ACA plans vs. private group health insurance—and guide you through enrollment.
Independent Carrier Access
We work with top-rated providers like Horizon, Aetna, UnitedHealthcare, and more—so you get real options.
Local Experience, Personal Service
Since 1996, we’ve been helping North Jersey businesses find affordable group health plans that work.
Clear, Human Guidance
From paperwork to renewals, we explain every step so you’re never left guessing.
Who qualifies for group health insurance in NJ?
Businesses with 1–50 full-time or full-time equivalent employees may qualify. You must have at least one employee (not an owner) enrolled.
Is group health insurance cheaper than individual plans?
Usually, yes. Group plans often offer lower premiums, broader networks, and tax savings for employers and employees.
Can I enroll outside of Open Enrollment?
In most cases, no—but special enrollment periods may apply for new hires, life events, or qualifying business changes.
Do I need to use the ACA Marketplace?
Not necessarily. We can help you compare ACA and private plans to determine what’s best for your company.
Can I include dental and vision coverage?
Yes. Many group plans offer optional dental and vision coverage—or we can bundle them separately for you.
Let’s Build the Right Benefits Package for Your Team
Whether you’re new to group benefits or reviewing your current plan, we’ll help you offer affordable coverage with confidence.