Partially Self Insured program for a group of 16 employees in NJ

[Guest lbsnyder]

I need help finding a program to replace my client's former partially self insured program. The client is a small manufacturing firm in NJ with 16 employeees. I need a recommendation of TPA/reinsurer that can accomodate a group of that size.

[KIP KRAUS]

ibsnyder:

Why is a group this small self-insuring any portion of their medical Plan? Claims experience on a group this size has no credibility.

Up to what amounts per person are they self-insuring?

Are there community rated HMOs in the area? If so, I'd investigate their rates.