PERMA FAIR Launches Solutions to Address Mounting Health Benefits Crisis for NJ Public Entities

Aims to deliver 20%+ Savings

CAMDEN, NJ, July 14, 2025 — In response to the escalating healthcare cost crisis facing New Jersey’s local governments and school districts, PERMA FAIR Health and Pharmacy (“PERMA FAIR”) has launched a comprehensive platform designed to reduce health benefit costs by up to 25% without compromising coverage or care. The announcement comes on the heels of the State of NJ announcing increases between 30% to 35% in 2026 for government entities and boards of education participating in one of the state’s benefit plans and citing the near insolvency of the state’s health benefits programs.

PERMA FAIR’s new offering delivers a sustainable alternative. It replicates existing public-sector benefit designs while achieving immediate savings of 20% to 25%. The platform leverages a proprietary “indexed reimbursement” model, which eliminates unnecessary costs, simplifies claims processing, and ensures fair, consistent provider payments — all without requiring referrals, imposing penalties, or reducing access to care. This innovative solution offers the same trusted benefits, network access, and member experience traditionally available through the state plans, while delivering 20–25% in savings through a modern, indexed reimbursement model. The platform ensures fair and transparent provider payments, eliminates unnecessary costs, and provides built-in legal support for any balance billing issues. Importantly, it preserves member choice and access to care—without referral requirements or disruption.

“Local governments and school districts are being forced to choose between steep cost increases or slashing coverage — a false choice that harms workers and taxpayers alike,” said Bill Green, President and CEO of PERMA FAIR. “PERMA FAIR offers a smarter path forward, helping public employers rein in costs without sacrificing benefits.” Rooted in PERMA’s 40-year legacy of leadership in governmental joint insurance funds, PERMA FAIR builds on a record of accomplishment of saving New Jersey taxpayers over $4 billion. The new platform combines that expertise with innovative technology to deliver timely, accurate, and fair payments to providers, while empowering public employers with tools for long-term cost control.

PERMA FAIR’s platform supports self-funded health plans through proprietary technology that standardizes pricing and reimbursement based on fairness and market transparency. This system is fully integrated into the claims infrastructure of our TPAs partners, enabling streamlined, end-to-end plan administration. PERMA FAIR is an affiliate of Conner Strong & Buckelew, one of the nation’s largest and most respected insurance brokerage, risk management, and employee benefits consulting firms.