Bollinger, Inc. offers a specialized solution for agents and brokers seeking Individual Health Insurance options for their clients in New Jersey. Through our access to Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ), we provide both HMO and Indemnity health plan options tailored to individuals who need coverage outside of group or employer-sponsored plans.
Overview of the Program From Bollinger, Inc.
This program is designed to help New Jersey residents secure reliable individual health insurance coverage, especially those who are self-employed, between jobs, or not eligible for employer-sponsored benefits. As an agent or broker, you gain access to a reputable carrier and a flexible product offering through Bollinger, Inc., a trusted name in health insurance distribution in the region.
Ideal Accounts and Appetite
This program is best suited for:
- Individuals who are self-employed or freelancers in New Jersey
- Early retirees not yet eligible for Medicare
- Students or part-time workers without employer-sponsored coverage
- Clients transitioning between jobs who need temporary or long-term individual coverage
Accounts that typically do not fit include individuals residing outside of New Jersey or those looking for group coverage options.
Coverage Highlights and Advantages
Through Horizon BCBSNJ, this program offers:
- HMO plans for clients preferring a network-based model with lower out-of-pocket costs
- Indemnity plans for those who want greater provider flexibility without network restrictions
- Access to preventive care, hospitalization, emergency services, and specialist visits
- Options suitable for a wide range of health needs and financial circumstances
Additional plan details and benefits may be found on the Horizon Healthcare website.
Underwriting Notes and Minimum Premiums
This is a non-admitted program and subject to underwriting by Horizon BCBSNJ. While there is no specific minimum premium listed, rates and eligibility will vary based on the applicant's age, health status, and selected plan type. Be prepared to guide your clients through a streamlined application process with support from Bollinger's experienced team.
Territories and Availability
This individual health insurance program is available exclusively to residents of New Jersey. Agents and brokers must ensure their clients reside in the state to qualify for coverage through this offering.
Why Work With Bollinger, Inc. on This Business
Bollinger, Inc. brings deep regional expertise and a long-standing relationship with Horizon BCBSNJ, making it easier for agents to place individual health business with confidence. We offer responsive support, market insight, and a streamlined process that helps you deliver value to your clients quickly and efficiently. Whether you're helping a client during a life transition or offering a long-term solution, Bollinger is your partner for individual health placements in New Jersey.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include self-employed individuals, freelancers, early retirees, students, and part-time workers residing in New Jersey who are not covered under an employer group plan.
Is this program available outside of New Jersey?
No, this individual health insurance program is exclusively available to residents of New Jersey.
What types of plans are available through this program?
The program offers both HMO and Indemnity plan options through Horizon BCBSNJ, providing flexibility for different client preferences and healthcare needs.
Is this an admitted or non-admitted program?
This is a non-admitted program written through Horizon BCBSNJ.
Can agents get support during the underwriting process?
Yes, Bollinger, Inc. provides dedicated support to help agents navigate plan selection, application requirements, and underwriting guidelines.
Need help placing an account? Connect with a market specialist.