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Who is MRHIF? 

The Municipal Reinsurance Health Insurance Fund or the MRHIF provides both specific and aggregate reinsurance coverage for Medical and Prescription Drugs. The Fund has also procured TPA services, provider networks, Prescription Benefit Manager, wellness programs, enrollments systems and other related services.

MRHIF was established in 1999 when the four original member regional Health Insurance Funds “HIF”s determined that additional cost savings could be achieved by pooling together to provide excess reinsurance and jointly purchasing on other health related services.

As of 2020 the Fund includes six regional local member HIFs, which insure over 185 Municipalities and/or School Districts in New Jersey.

Why partner with us?

Choosing a health vendor is an important decision now more than ever. Once the decision has been made it is important to fully understand your benefit and have a committed partner to walk you through the challenging landscape of healthcare. MRHIF does just that. Here you are not just a number. We are dedicated to showing you the level of support you and your members need by ensuring a white-glove service. Your MRHIF team will be there every step of the way ensuring you are making informative decisions every step of the way.
470M 470M
Annual benefits budget
61K 61K
Member lives
2.13 2.13
Average rate decrease over the last 5 years

Expertise and Partnership

Working with us means working with Express Scripts. We have been in partnership with Express Scripts for over 10 years. Their expertise as a Health services company ensures that you and your members can rest easy knowing you are in great hands. They tailor their services and solutions for you, exposing opportunities in pharmacy, medical and beyond – creating better health for all.
Advanced Utilization Management
Improves health outcomes and encourages prescribing practices in line with clinical guidelines. More than ever, it’s important to ensure that we’re getting the right prescription to the right patient for the right indication with the first fill.
Advanced Opioid Management
Manages new/acute, short-term, intermittent and chronic users, as well as overusers/abusers. The program addresses potential behavior and safety gaps at each part of the care continuum, at the prescriber’s office, at the pharmacy and with patients.
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Offers copay offset savings program that helps members afford their specialty medication while reducing plan trend.
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Focuses on the most complex, costly conditions patients and payers face and unlocks new financial value and better clinical outcomes.
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Exclusive Accredo
Provides best patient care and plan savings on specialty drug costs. Accredo operates a nationwide network of specialty pharmacy facilities, including a New Jersey branch.

Want to know where these solutions come to life?

Learn about our Lab - A collaborative space where we bring our best minds together and work alongside our clients to pilot, perfect and launch new ways to improve patient care.

COVID-19: keeping you informed

Express Scripts works hard, every day, to be your trusted partner and champion for better health care. As we face the COVID-19 pandemic together, our mission has never been more important. Use the below resources to stay informed on how Express Scripts is addressing COVID-19 along with updates around COVID-19 vaccine and treatment developments.
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