At PNJ INSURANCE SOLUTIONS, we take pride in offering comprehensive and tailored insurance solutions to safeguard what matters most to you. Our commitment is to provide peace of mind by addressing the unique risks and challenges individuals and businesses face.

Whether you're looking for coverage to protect your family, assets, or business, our range of insurance solutions is designed to meet your specific needs.

With a focus on personalized service, our team of experienced insurance professionals is dedicated to guiding you through the process of selecting the right coverage. We understand that each client is unique, and our goal is to offer not just policies, but a partnership that ensures you have the protection you need when you need it.

From home and auto insurance to commercial and specialty coverage, PNJ INSURANCE SOLUTIONS is here to be your trusted partner in navigating the complexities of insurance and providing reliable solutions for a secure future.






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Will I qualify for Private Health Insurance?

You don’t have to be an Olympic athlete by any means, but if you are in relatively good health then you should be a strong candidate. Of course individual considerations will be made, but if you don’t have any major pre-existing conditions such as cancer, heart attack, stroke, or diabetes then a private plan may be right for you!

Does it have to be "Open Enrollment" to be able to sign up for Private Insurance?

This only applies to Marketplace/ACA/Obamacare plans and Employer sponsored plans. Private plans are available year-round! There are no limitations of when you can get on and off of a private plan.

Isn't Private Heath Insurance really expensive?!

It is much less expensive than you think! Since the rates for private healthcare are based on health, and not your income, you will generally see lower prices AND better benefits if you can qualify. Most clients save anywhere from $1200-3600 per year!

What are the biggest differences between ACA/Obamacare, Employer Coverage, and Private Health Insurance?"

ACA/Obamacare is best for those with pre-existing conditions or those needing maternity coverage. It is affordable if you are under the income threshold that qualifies you for government subsidies. If you aren't getting government assistance, it is extremely expensive. These plans are mostly high premium/high deductibles because anyone can get on them. Most employer plans are great for the employee because the employer is legally responsible to pay 50% of the employee's monthly premium. The downside is that the employer is not responsible for paying anything towards family add-ons. This causes the price to jump up significantly when adding family members and can get pretty costly because the family will be paying full price to be added to the plan.

Can I cancel at any time?

Yes, there are no contracts for any type of health insurance plan, besides employer coverage. You can cancel at anytime for both the public and private health insurance plans.

Will Private Plans cover me anywhere I go?

YES! Nationwide coverage, on and off the job. All private plans are on major PPO networks, so you aren't limited to coverage in your county/state like many plans. You are covered anywhere you go!

Are these year long contracts?

No required length of time- you have the plan because you need it.

Do you have other insurance plans as well?

I have Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short term disability) and access to everything out there so I am happy to guide you in the right direction if you are needing something specific!