Premiums for all health plans sold to small employers in New Jersey are based on modified community rating.  That means your premium cannot vary due to the health status or claims experience of people in your group.  However, within limits, premiums will vary based on the age, gender and family size of those in your group and because of the location of your business.  The New Jersey Small Employer Health Benefits Program issues buyer’s guides describing standard small group health plans and an annual premiums comparison survey.  The Department’s web site, http://www.nj.gov/dobi/sehpage.htm, lists companies selling small group policies along with sample premium rates as applicable to a specimen group.