New Jersey School Bus Contractors Association

Exclusive Health ​insurance Program

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Learn more about our exclusive health plan

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NJSBCA is proud to introduce The Health Benefit Alliance (HBA) Partnership Program to our members. The Health Benefit Alliance mission is to give lower and moderate income workers access to truly affordable ACA-compliant health insurance built on copay plans, not high deductible Health Plans! ​

Employers and employees need an alternative to the traditional health insurance carriers who have underserved industries with a high percentage of lower to moderate income employees.


  • Not meeting health insurance carrier minimum employee participation requirements.
  • Have difficultly compiling a “full census” when agents try and get you health insurance quotes.
  • Being “no quoted” because of your low employee participation in your plans.
  • The least costly plans are High Deductible plans that put a lot of financial burden on your lower paid hourly workers.
  • Having difficulty attracting and retaining employees due to your less than desirable health insurance.

The Health Benefit Alliance (HBA) can solve these issues for you. HBA plans are designed to serve the needs of lower income workers while also providing higher end plan designs for management, executives, and business owners.

  • Fully ACA Compliant Comprehensive Health Insurance Plans
  • No Census required
  • Copay Plans with Single rates under $400 and Family rates under $1,000

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