Our Public Employer Trust provides our clients with a shared services vehicle applied to employee benefits. Each line of coverage is independent so you can pick which programs you wish to participate in or you can choose to enroll in all four. The renewal is based on the performance of the overall pool for each line of coverage and is equally applied to all participants.

About the Trust

  • Established in 1986 as an alternative product to better manage healthcare costs
  • Pooled risk without run-out liability or assessment exposure
  • Offering insured products for Medical, Prescription Drug, Dental, and Vision
  • Specifically established for New Jersey Public Employers
  • Serving Over 100 Public Sector Clients with over $90 million in annual premium managed
  • Flexibility to provide “equal to or better than” benefits

Top-Rated Carriers

  • Medical: AmeriHealth
  • Prescription Drug: BeneCard
  • Dental: Horizon
  • Vision: National Vision Administrators

Proven Performance

Average Increase Past 3 Renewals

  • Medical: 6.7%
  • Rx: 11.4%
  • Dental: 2.3%
  • Vision: < 1.0%

Contact us today to see if you qualify to participate in the Public Employer Trust.


Brown & Brown Benefit Advisors