Health Insurance Programs - IHC/SEH/NJ Protect


In 1992, the New Jersey Legislature created two programs to guarantee access to health coverage for individuals and small employers, regardless of health status, age, claims history, or any other risk factor.

The Individual Health Coverage Program ("IHC") and the Small Employer Health Benefits Program ("SEH") have reformed the individual and small employer (employers with 2-50 employees) health insurance markets. More IHC/SEH program information
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In 2010, NJ Protect was launched as a new health insurance option for uninsured New Jerseyans with pre-existing medical conditions. Eligibility requirements are established by Federal law