New Jersey Health Insurance Funds

New Jersey Health Insurance Funds (NJHIF) is a collective of regional health insurance funds that provide comprehensive benefit services to public entities across New Jersey. Managed by PERMA Risk Management Services, the funds allow municipalities, school districts, and other local government units to pool their resources to achieve greater buying power and rate stability. The organization offers health, pharmacy, vision, dental, and retiree benefit administration, serving as a cost-effective alternative to traditional private insurance markets. It currently serves over 300 member entities and manages a collective budget of approximately $1.5 billion.