Skilled nursing and residential care facilities in New Jersey
PlanOptica tracks 79 health and welfare plans sponsored by 60 skilled nursing and residential care facilities in New Jersey, covering 72,226 participants and $106M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 447 participants, and the most common size is 1,000 or more participants (28% of plans). Most of these plans are self-funded or mixed (61%), so stop-loss and TPA relationships matter as much as the medical carrier.
Horizon Healthcare Services, Inc leads by premium with a 41% share, followed by Cigna Health and Life Insurance Company at 9%. Hub International Northeast Limited is the broker of record on 15 plans, more than any other firm, ahead of Centerstone Insurance and Financial (9). 82% of plans report broker compensation on Schedule A; the median brokered plan pays $44K a year, about 9.3% of premium. Lakewood, Jackson and Toms River have the most plans.
Funding mix
- Fully insured30 · 38%
- Mixed30 · 38%
- Self-funded18 · 23%
- Unknown1 · 1%
Plan size (participants)
- Under 10010 · 13%
- 100 to 24920 · 25%
- 250 to 49910 · 13%
- 500 to 99917 · 22%
- 1,000 or more22 · 28%
Median plan: 447 participants. Median broker comp: 9.3% of premium across 65 brokered plans.
Top carriers, skilled nursing, New Jersey
- 1Horizon Healthcare Services, Inc$44M7 plans · 41.5%
- 2Cigna Health and Life Insurance Company$9.3M6 plans · 8.8%
- 3Group Hospitalization Medical Services Inc Carefirst Bluechoice Inc$7.5M4 plans · 7.1%
- 4Sun Life Assurance Company of Canada$6.4M7 plans · 6.1%
- 5Delta Dental of New Jersey, Inc$6.2M12 plans · 5.9%
- 6Continental American Insurance Company$4.8M5 plans · 4.5%
- 7Aetna Life Insurance Company$4.7M5 plans · 4.4%
- 8The Guardian Life Insurance Company of America$4.4M13 plans · 4.1%
- 9Sirius America Insurance Company$2.9M3 plans · 2.7%
- 10Principal Life Insurance Company$2.2M5 plans · 2.1%
Top brokers, skilled nursing, New Jersey
- 1Hub International Northeast Limited15 plans$672K comp · 23.1%
- 2Centerstone Insurance and Financial9 plans$347K comp · 13.8%
- 3Professional Group Plans, Inc6 plans$60K comp · 9.2%
- 4Fna Insurance Services Inc5 plans$104K comp · 7.7%
- 5Corporate Synergies Group LLC5 plans$74K comp · 7.7%
- 6Brown & Brown Metro, LLC4 plans$1.2M comp · 6.2%
- 7SDF Associates 1991 Ltd4 plans$148K comp · 6.2%
- 8Conner Strong & Buckelew4 plans$14K comp · 6.2%
- 9Alan J Zuccari Inc3 plans$795K comp · 4.6%
- 10Lockton Companies, LLC3 plans$464K comp · 4.6%
Largest skilled nursing and residential care facilities in New Jersey
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Complete Care Complete CareAll plans | Toms River | Fully insured | 6,360 | $169K | Sun Life Assurance Company of Canada |
| Careservices 173, LLC Careservices 173, LLC Employee Benefit(s) PlanAll plans | Fort Lee | Mixed | 3,841 | $3.7M | Delta Dental of California |
| District 1199J Benefit Fund District 1199J - New Jersey Health Care Employers - Benefit FundAll plans | Newark | Mixed | 2,947 | $561K | HCC Life Insurance Company |
| Cedarbridge Financial Services Cedarbridge Financial Services Medical PlanAll plans | Brick | Mixed | 2,930 | $1.5M | Principal Life Insurance Company |
| Healthbridge Management, LLC Healthbridge Management, LLC Employee Benefit(s) PlanAll plans | Fort Lee | Mixed | 2,825 | $3.8M | Delta Dental of California |
| Altranais Care Centers Altranais Care Centers Health and Welfare Life, AD&D and Ltd PlanAll plans | Jackson | Fully insured | 2,575 | $167K | Unum Life Insurance Company of America |
| Azriel Asset Management LLC Azriel CoreAll plans | Engelewood Cliffs | Fully insured | 2,382 | $2.5M | Blue Cross of California |
| Aspire Health Group LLC Aspire Health Group LLC Health and Welfare Voluntary Lines PlanAll plans | Jackson | Fully insured | 2,228 | $621K | Aflac |
| Autumn Lake Healthcare LLC Autumn Lake Health PlanAll plans | Howell | Self-funded | 2,061 | - | - |
| BL Manager, LLC Brandywine Senior Living Welfare Benefit PlanAll plans | Mount Laurel | Mixed | 1,702 | $17M | Horizon Healthcare Services, Inc |
| Crown Healthcare Management Crown Healthcare ManagementAll plans | Lakewood | Self-funded | 1,585 | $1.6M | Sun Life Assurance Company of Canada |
| Monarch Communities Management LLC Monarch Communities Management Welfare Benefit PlanAll plans | Morristown | Fully insured | 1,531 | $22M | Horizon Healthcare Services, Inc |
| Ocean Healthcare Management Ocean Healthcare Management Welfare PlansAll plans | Lakewood | Self-funded | 1,280 | $1.3M | Sun Life Assurance Company of Canada |
| Atlas Healthcare Atlas HealthcareAll plans | Lakewood | Self-funded | 1,133 | - | Gerber Life Insurance Company |
| Carerite Centers, LLC Carerite Centers, LLC Welfare Benefit PlanAll plans | Lakewood | Fully insured | 1,066 | $1.9M | Sun Life Assurance Company of Canada |
Showing 15 of 60 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in New Jersey
- Lakewood18 plans · 12,086 participants
- Jackson11 plans · 10,329 participants
- Toms River3 plans · 16,714 participants
- Fort Lee3 plans · 7,520 participants
- Brick3 plans · 3,438 participants
- Newark3 plans · 3,198 participants
- Edison3 plans · 569 participants
- Clifton3 plans · 247 participants
- Union2 plans · 1,760 participants
- Norwood2 plans · 993 participants
- Neptune2 plans · 888 participants
- Hackensack2 plans · 856 participants
Frequently asked questions
How many skilled nursing and residential care facilities in New Jersey offer an ERISA health plan?
79 health and welfare plans from 60 skilled nursing and residential care facilities in New Jersey appear in plan year 2024 to 2025 filings on Form 5500, covering 72,226 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most skilled nursing and residential care facilities in New Jersey?
By Schedule A premium: Horizon Healthcare Services, Inc (41% of premium, 7 plans), Cigna Health and Life Insurance Company (9% of premium, 6 plans) and Group Hospitalization Medical Services Inc Carefirst Bluechoice Inc (7% of premium, 4 plans).
Which benefits brokers work with skilled nursing and residential care facilities in New Jersey?
By number of client plans: Hub International Northeast Limited (15 plans), Centerstone Insurance and Financial (9 plans) and Professional Group Plans, Inc (6 plans). 82% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in New Jersey?
The median brokered plan reports $44K a year in broker commissions and fees, or 9.3% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in New Jersey self-funded or fully insured?
Fully insured 38%, mixed 38% and self-funded 23%. Self-funded and mixed plans together make up 61%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care.
Prospect skilled nursing and residential care facilities in New Jersey
Open the welfare search with New Jersey and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Skilled nursing in nearby states
Other healthcare specialties in New Jersey
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care. Location is the sponsor's filing address in New Jersey.