Special Considerations for Employees at Rutgers, University Hospital, and NJIT
RU & UH & NJIT employees have access to the same plans CWA State employees have access to, at the same union negotiated rates. RU & UH & NJIT staff also have access to several legacy health plans, at rates set by the formula set out under the state’s Chapter 78 Law. These legacy plans have seen substantial rate increases in the last few years and saw rate increases for 2026. CWA strongly recommends any members enrolled in a legacy plan to strongly consider switching to a plan with union negotiated rates, especially considering the new prescription copays, deductibles, out-of-pocket maximum increases, and new rules for ambulatory surgical centers applies to the legacy plans as well as the union negotiated rate plan.
To compare the cost of plans, you can use the Horizon Premium Calculator
- 2027 Premium Calculator – SHBP/SEHBP
- For “employee type” select Rutgers/UH/NJIT
- Select your level of coverage
- How to use the Horizon Calculator – VIDEO
- Open Enrollment Presentation Plan Comparison Slides – PDF
| Chapter 78 Plans | Premiums Will Increase 1/1/27 | |
| Horizon | Aetna | |
| 26 NJ Direct 10 26 NJ Direct 15 26 NJ Direct 2030 26 NJ Direct 2035 26 Horizon HMO 26 Horizon HDLow 26 Horizon HDHigh |
26 Aetna Liberty 10 26 Aetna Liberty 15 26 Aetna Liberty 2030 26 Aetna Liberty 2030 26 Aetna HMO 26 Aetna HDLow 26 Aetna HDHigh |
|
| Union Negotiated Rate Plans | Premiums will not change | |
| Horizon | Aetna | |
| 26 NJ Direct 26 OMNIA |
26 Freedom 26 Liberty Plus |
Links & Information for RU-UH-NJIT Employees Open Enrollment
CWA 1031 & Partner Unions
Info & Links:
- MAIN NJ SHBP Website: State of NJ – Department of the Treasury – NJDPB | SHBP for Active Members
- Horizon Blue Cross Blue Shield NJ SHBP: Home – SHBP/SEHBP
- Aetna NJ SHBP: Homepage | Aetna State of New Jersey SHBP & SEHBP Members
- Horizon Calculator: Premium Contribution Calculator – SHBP/SEHBP
- Rates for Horizon plans & Aetna equivalents are the same, so Horizon Calculator will work for everyone
- Aetna Calculator: Aetna SHBP & SEHBP Contribution Calculator
- How to use the Horizon Calculator – VIDEO
- Plan Designs
- Dental Plans
- Dental Expense Plans (DEP)
- Aetna Dental Maintenance Organization (DMO): 2026 Dental Plan Organization (DPO/DMO)* – Employee
- 2027 Dental Monthly Rates
- Webinars presented by the Healthcare Companies
- Horizon Open Enrollment Webinars – Click HERE
- Aetna Open Enrollment Webinars – Click HERE
- Tax$ave Flexible Spending Account (FSA)
- Members currently enrolled for 2026 can log in to their FSA and select the “Enroll Now” button to enroll for the 2027 plan year.
- Call 1-877-765-8809 and follow the prompts.
- Download an enrollment form and return via one of the three ways below:
- Fax to: 1-833-710-5544
- Send via secure email only to: HorizonMyWay@healthaccountservices.com
- Mail to: Horizon MyWay, P.O. Box 2340, Fargo, ND 58108-2340
- Please verify that your medical and payroll information (first name, last name, social security number and date of birth) match through your employer. Only sign up using your legal name.
- For more information, contact Customer Service at 1-877‑765-8811, Monday through Friday, from 8 a.m. to 8 p.m. ET.