Bollinger, Inc. provides agents and brokers with a focused placement option for Individual Health Insurance for New Jersey residents. Through our distribution relationship with Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ), you can access both HMO and Indemnity individual plans designed for people who need coverage outside employer-sponsored group programs.
Overview of the Program From Bollinger, Inc.
This program helps New Jersey residents secure reliable individual health coverage. It is intended for clients who are self-employed, between jobs, early retirees not yet eligible for Medicare, students, or anyone who does not qualify for an employer group plan. As an agent or broker, you get streamlined access to a reputable carrier and flexible product choices backed by Bollinger's regional market expertise.
Ideal Accounts and Appetite
Use this program when placing:
- Self-employed individuals and freelancers living in New Jersey
- Early retirees not yet eligible for Medicare
- Students and part-time workers without employer coverage
- Clients temporarily between jobs who need individual coverage
Accounts that typically do not fit include residents outside New Jersey or employers seeking group coverage. Complex high-risk cases or unusual residency situations may require referral or supplemental underwriting review.
Coverage Highlights and Advantages
Through Horizon BCBSNJ, the program offers:
- HMO plans for clients who prefer lower out-of-pocket costs through a defined provider network
- Indemnity plans for clients seeking greater provider choice and fewer network restrictions
- Standard individual benefits such as preventive care, hospitalization, emergency services, and specialist visits
- Plan options that accommodate a range of medical needs and budgets
For specific benefit summaries and network information, refer to the Horizon Healthcare site: Horizon Healthcare.
Underwriting Notes and Minimum Premiums
This offering is a non-admitted program and is subject to underwriting by Horizon BCBSNJ. Eligibility and rates depend on the applicant's age, health status, and the plan selected. Bollinger provides support throughout the application and underwriting process to help you prepare submissions and respond to carrier questions.
Territories and Availability
This program is available only to residents of New Jersey. Confirm client residency and any state-specific requirements before submitting an application.
Why Work With Bollinger, Inc. on This Business
Bollinger, Inc. brings deep regional knowledge and a long-standing relationship with Horizon BCBSNJ, giving agents confidence when placing individual health business in New Jersey. We emphasize responsive service, clear market guidance, and a streamlined placement process so you can move cases efficiently and keep clients covered during transitions.
Example scenarios where this program fits:
- You have a freelance client who needs an affordable network option with predictable costs — an HMO plan may fit.
- You represent a part-time worker who wants broader provider choice — consider an Indemnity plan through this program.
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 who reside in New Jersey and are not enrolled in an employer group plan.
Is this program available outside of New Jersey?
No. This individual health insurance program is exclusively available to New Jersey residents.
What types of plans are available through this program?
Agents can place both HMO and Indemnity plan options through Horizon BCBSNJ, giving clients a choice between network-based plans and plans with broader provider access.
Is this an admitted or non-admitted program?
This program is offered as a non-admitted product and is underwritten by Horizon BCBSNJ.
Can agents get support during the underwriting process?
Yes. Bollinger, Inc. provides dedicated support to help agents with plan selection, application requirements, and underwriting guidance to improve placement outcomes.
Need help placing an account? Connect with a market specialist.