Health Benefit Solutions
More Options. More Health.
NJBIA members headquartered in New Jersey are eligible to secure comprehensive, self-funded group health benefits through AMT, with all the advantages of network services and modern claims administration. Enrollment timing depends on your group’s classification — see Who Can Enroll — and When below.
How do you get a price quote and choose the right plan?
NJBIA Members can participate in quality group Health Benefit Plans for their business. We have partnered with Association Member Trust (AMT), joining a select group of 17 member associations throughout NJ to provide benefit options for businesses like yours.
- Quotes provided before working with a member of AMT’s marketing team are offered as a guide, as such prices cannot be guaranteed. Allow approximately 2 business days for your request to be processed.
- Groups that do not meet the New Jersey small-employer definition may receive quotes at any time but may enroll only during AMT’s Annual Open Enrollment Period (November 15 – December 15) for a January 1 effective date.
- When you submit an information request, you can get a Quick-Quote by clicking on the link in your confirmation email where you can get an estimate of Health Benefits Costs with our program.
AMT Quote
Flexibility, Stability & Personalized Service
AMT has a strong 75-year history of meeting the health plan needs of its member companies and is recognized for its outstanding customer service to over 10,000 participants. Strength, stability, and a variety of benefit design options are available to meet the unique needs of each employer. AMT is a self-funded Multiple Employer Welfare Arrangement registered with the NJ Department of Banking and Insurance. AMT provides coverage to New Jersey for small employers in accordance with the New Jersey Small Employer Health Benefits Program Act. AMT offers:
- Flexible Options: All our plans are administered by the Horizon Blue Cross Blue Shield of NJ (BCBSNJ) Network, which includes EPO, HSA, & OMNIASM.
- Nationwide Coverage: Horizon BCBSNJ gives you in-network access to providers nationwide offering convenience and comprehensive care.
- Dental: Delta Dental® gives you flexible options to select the right plan.
- Vision: Horizon BCBSNJ and Davis Vision® provides employers comprehensive, voluntary low-cost vision benefits.
- Life Insurance: Flexible products ensure you have access to a robust portfolio.
- Prescription Plans: Prime Therapeutics helps your employees get the medicine they need to feel better and live well.
- Dedicated Patient Advocate Team: Get personalized support with billing and claim issues, as well as guidance for managing both existing and emerging health conditions.
Join NJBIA Today
Select the number of full-time-equivalent NJ employees in the below drop down menu to see your annual membership fee.
Talk with our membership department and learn how NJBIA is for a business like yours.
Membership Inquiry
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Your guide to Annual Enrollment Timing
As an NJBIA member, your business has access to quality, self-funded health benefits through Association Member Trust (AMT). When you can enroll depends on the size and structure of your group — and for the smallest groups, there is one window each year. AMT coverage is available to businesses headquartered in New Jersey that are members of NJBIA. Enrollment timing depends on how your business is classified. See chart below.
When can your business enroll?
| Your group | When you can enroll | What it means for you |
|---|---|---|
| Small Employer (2 to 50 employees) |
Any time of year | You can join whenever you’re ready, subject to participation rules. |
| Large Employer (51 or more employees) |
Any time of year | You can request a quote any time; your start date is confirmed during underwriting. |
| Sole proprietors & owner-only — or groups that don’t meet NJ’s small-employer definition | Open Enrollment only (Nov 15 – Dec 15) | You enroll once a year, with coverage effective the following January 1. |
Open Enrollment FAQs
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The one thing to know
Sole proprietors, owner-only businesses, and other groups that don’t meet New Jersey’s small-employer definition can enroll with AMT only once a year — during Open Enrollment, November 15 – December 15, with coverage starting January 1. It works much like Get Covered New Jersey’s annual Open Enrollment for individuals.
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What qualifies as a Small Employer
Small Employers (2 to 50 employees) — A small employer is a business that employed an average of at least 1 but not more than 50 employees on business days during the preceding calendar year, and employs at least 1 employee on the first day of the plan year, counted under the common-law standard. As a registered self-funded MEWA, AMT provides coverage to New Jersey small employers consistent with the guarantee-issue, guarantee-renewal, participation, and rating requirements of the New Jersey Small Employer Health Benefits Program. Meets the criteria? You may want to consider AMT as an option. See the NJ Small Employer Buyer's Guide to determine whether you qualify.
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What qualifies as a Large Employer
Large Employers (51 or more employees) — Businesses with 51 or more employees may apply at any time of year, subject to AMT group underwriting. The effective date is assigned by AMT. Group underwriting may not deny, restrict, or delay any individual's eligibility, or vary any individual's premium, based on a health factor. Our underwriting team will contact you after you request a quote to discuss plans and timing.
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What qualifies as a Micro Group
Micro Groups — Businesses that do not meet the small-employer definition, for example, owner-only businesses with no common-law employees, may enroll only during AMT's Annual Open Enrollment Period. Applications from micro groups are not accepted outside this window, except as required by law. Coverage takes effect the following January 1. Micro group enrollment is subject to AMT's underwriting requirements, including documentation of an active, income-producing business. This enrollment window is established by AMT's Plan Documents and is separate from, and may not align with, the Get Covered New Jersey open enrollment period for individual coverage.
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Is your business in the once-a-year group?
Your group likely enrolls during Open Enrollment if it doesn’t have at least two eligible W-2 employees on payroll. When counting employees, the following generally do not count on their own: • An owner and spouse, when one or both own the business • Partners in a partnership, and 2% shareholders in an S-corporation • Sole proprietors • Independent contractors (1099) and leased employees A qualifying group generally needs at least one true W-2 employee on payroll, working a minimum of about 25 hours per week and earning at least minimum wage. If you’re not sure where your business falls, AMT can help you confirm before the window.
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Why is there an enrollment window?
Health benefits work when healthy and covered members share one pool, year-round. If a group could wait until a major medical need arose, sign up just beforehand, and drop off afterward, that cost would land on everyone else — and push rates up for every member. A single yearly window for the smallest groups keeps the pool balanced and helps protect stable rates and renewals for all AMT members. It’s the same idea behind Get Covered New Jersey, where individuals enroll during a set Open Enrollment period each year.
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A clear heads-up — not a change
This isn’t a new direction. It is the enrollment cycle these groups follow, and AMT wants to communicate it clearly so you can plan ahead. If your business enrolls once a year, knowing the window now means you can have everything ready for a smooth January 1 start.
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Already covered through AMT?
Nothing changes for groups already enrolled. Your employees and their dependents can still make mid-year changes for qualifying life events — such as losing other coverage, marriage, a new baby, or adoption. The once-a-year window applies only to a brand-new group joining AMT.
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How to get ready
• If you can enroll year-round (2+ NJ employees): reach out any time to request a quote and get started. • If you enroll during Open Enrollment (sole proprietor / owner-only): prepare your application ahead of November 15 so you’re first in line for a January 1 start. • Not sure which applies? Contact AMT and we’ll help you confirm your group’s status and timing. Get started: Visit amt-nj.com to request a quote, or contact AMT at 973-379-1090. NJBIA members can also find AMT through the benefits section at njbia.org.
How do you get a price quote and choose the right plan?
NJBIA Members can participate in quality group Health Benefit Plans for their business. We have partnered with Association Member Trust (AMT), joining a select group of seventeen member associations throughout New Jersey to provide benefit options for businesses like yours. Members have access to Horizon Blue Cross and Blue Shield of New Jersey, the nation’s largest provider network, as well as Delta Dental, Unicare, and Davis Vision. AMT has a dedicated advocate team to assist members with benefit questions, claims, and assisting members with both existing and emerging conditions.
- Quotes provided before working with a member of AMT’s marketing team are offered as a guide, as such prices cannot be guaranteed. Allow approximately 2 business days for your request to be processed.
- Groups that do not meet the New Jersey small-employer definition may receive quotes at any time but may enroll only during AMT’s Annual Open Enrollment Period (November 15 – December 15) for a January 1 effective date.
- When you submit an information request, you can get a Quick-Quote by clicking on the link in your confirmation email where you can get an estimate of Health Benefits Costs with our program.