Small NJ Companies take heed...if you are a small company in NJ, with at least 2 employees, you may currently be purchasing individual health insurance, which from a cost and benefit perspective is more limiting than a small group plan.

If you have at least 2 employees (including LLCs with 2 partners, you count!) you should visit a comparison shopping site like www.healthinsurancegeeks.com. With just a census document of age, gender, zip code and family status for each employees, they can quickly load you in to their quote engine and produce hundreds of alternative plan designs from leading carriers like Blue Cross Blue Shield, Aetna, Cigna, Oxford/United Healthcare, Amerihealth and Health Net for example. Sites like the geeks have licensed experts (that are not pushy/salesy, yet knowledgable and helpful) that will compare everything and take the time to help you understand what you may need, and how to effectively put it in to place.