Federal Law extends certain protections to employers seeking to buy health insurance for themselves and their workers.  New Jersey has enacted comprehensive reforms to expand small employers’ access to health insurance and to limit premium variation due to health status. Generally, small employers are those that employ 2-50 employees.  Please note, however, that the definition of small employer and employee is somewhat different under federal and state law.  Check with the New Jersey Department of Banking and Insurance to be sure that you know which protections apply to your group.