About Us

The Metropolitan Health Insurance Fund (Metro) was created in 2020 by Joseph G. DiVincenzo as an alternative for larger public entities in the Northern New Jersey area to provide affordable, customizable, health insurance plans for their employees.  The Fund has been incubating as a sub-fund under the BMED/Gateway Fund and the Central Jersey Fund.  In January of 2024, the Metro HIF received all the necessary approvals to become a stand alone fund.

Fund membership is growing, and curently there are 14 public entities that joined.  Metro HIF is one of nine Health Insurance Funds that make up the “hi” family of Funds under the umbrella of the New Jersey Health Insurance Fund, known as the “hi” fund, powered by PERMA.  The “hi” Funds have a 31-year track record for success and fiscal responsibility.

Click here to see our current information sheet.

Executive Committee

Jenny Mundell, Chairwoman, Bloomfield Public Library
Kimberly Duva, Secretary, Bloomfield Township
Cameron Cox, Executive Committee Member, Plainfield Public Schools
Nicole Baltycki, Executive Committee Member, West Caldwell Township
Chris Hartwyk, Executive Committee Member City of Orange
Margaret Heisey, Executive Committee Member,  Scotch Plains Twp
Patrick Wherry, Executive Committee Member, Maplewood Township

Metro HIF Advantage

Annual Budget $70 Million
Surplus $8.2 Million
Employees 4,168
Plan Participants 8,156


  • Bloomfield Township
  • Bloomfield Public Library
  • East Orange Township
  • Irvington Township
  • Maplewood Township
  • Morristown Township
  • Orange Township
  • Passaic Valley Sewage Commission
  • Plainfield Public Schools
  • Scotch Plains Township
  • Union Township
  • West Caldwell Township
  • West Orange Township


What METRO Members have to say about the power of the fund:

“The Metropolitan Health Insurance Fund provides the Township of Bloomfield, the Bloomfield Public Library, and their employees with premium stability year over year. By joining the Metro, we eliminated our run-out claims liability, making our employee benefits budget much more predictable.”

Councilwoman Jenny Mundell
Township of Bloomfield, New Jersey

“Our clients appreciate the cost stability and data transparency that the Metropolitan Health Insurance Fund offers. MHIF’s highly competitive quotes have benefited our insurance professionals and clients who face ever-increasing costs in the challenging New Jersey healthcare marketplace.”

Michael Graham, Chief Operating Officer
Fairview Insurance Agency Associates

“The Metropolitan Health Insurance Fund has given our self-funded clients the ability to reduce their medical benefits budget through lower fixed rates and run-out exposure while maintaining the same level of coverage. Our clients have also been able to realize long-term savings potential through low stable increases and earned dividends.”

Julie Servidio, Account Executive
IMAC, a division of Acrisure

“The uniqueness of Metro HIF is that it provides clients with compliance resources, transparency and autonomy not found in state benefits.”

Viviana Lamm, VP of Benefits

“Reducing health care costs for my clients requires increased competition in health insurance. The Metro HIF has delivered very competitive renewal rates and I can always count on their service team to resolve benefit concerns in a timely manner.”

Tammeisha D. Smith, Insurance Consultant
Fairview Insurance Agency