Employee Benefits  
  Employee Benefits  

Metropolitan Health Insurance Fund

The Metropolitan Health Insurance Fund (M-HIF) was founded in 2020 by Joseph G. DiVincenzo to meet the diverse needs of Northern and Central Jersey.

With medical trends around 6% and pharmacy trends around 10%, these annual increases are unsustainable for taxpayers, employers, and employees. Because of this, more public entities are moving from fully-insured plans to self-funded ones, making the HIF model a popular choice. Unlike traditional self-funding, the M-HIF provides its members with one fixed monthly invoice, mature costs (no run-out exposure), and no laser provisions. In addition, features such as telehealth, pharmacy utilization protocols, medical case management techniques, and health and wellness grants allow the M-HIF to reduce the amount spent on claims and flatten premium variations over time.

A shared-service model such as the Metropolitan Health Insurance Fund is the long-term approach for governments to demonstrate sound financial accountability to New Jersey taxpayers.



Q2 2024

Metropolitan hif members

  • Bloomfield Township
  • Irvington Township
  • West Caldwell Township
  • Sayreville Township
  • West Orange Township
  • East Orange Township
  • Scotch Plains Township
  • Orange Township
  • Bloomfield Public Library
  • Plainfield Public Schools
  • Union Townships
  • Morristown Township

Why Choose hifund?

If you're looking for a better way to provide employee health benefits, find out how municipalities, schools and public entities in the Northern New Jersey Metro area can save by joining Eagle Rock's "hifund" pool. Watch the short video.


"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 MHIF is that it provides clients with compliance resources, transparency and autonomy not found in state benefits."

Viviana Lamm, VP of Benefits



Q2 2024


A Record of Rapid Growth and Success
Since 2019, Eagle Rock Management Group has been recognized as one of the fastest-growing agencies in the Northeast. Our commitment to excellence and innovation has propelled our growth and solidified our reputation as a trusted partner in the employee benefits industry. We continually strive to exceed client expectations through our dedicated service and forward-thinking approach.

Trusted by New Jersey's Largest Organizations
Our client portfolio includes some of the most prominent public and private sector organizations in New Jersey. These clients rely on our expertise and unwavering commitment to deliver top-notch benefits solutions. We pride ourselves on building long-lasting relationships based on trust, reliability, and exceptional service.

Our Mission and Vision
At the heart of Eagle Rock Management Group is our mission to provide outstanding employee benefits that promote the well-being of our clients' most valuable asset: their employees. We envision a future where every organization, regardless of size, can offer comprehensive benefits that attract and retain top talent. Our continuous innovation and client-focused strategies ensure we remain at the forefront of the industry.

Eagle Rock Team

Joseph G. DiVincenzo Headshot

Joseph G. DiVincenzo

Founder & President

Joseph G. DiVincenzo Headshot

Diane Romano

Senior Account Manager

Joseph G. DiVincenzo Headshot

Jennifer McHugh, MSHA

Senior Account Manager

Joseph G. DiVincenzo Headshot

Thomas G. Kelly

Account Manager

Eagle Rock Core Values

We use data to drive our
decision-making process

We understand all organizations are wired differently

We strive to provide personalized and professional services
We are tuned in to the latest trends and strategies


Learn how Eagle Rock can help you save money and meet your healthcare benefits needs.

Please fill out this form and we will contact you to schedule a free consultation or call us at 856.420.2989. Coverage may not be bound, altered or amended via email, voicemail and/or online form submission. All coverage requests, amendments, additions and/or deletions are subject to insurance company approval. 

Sales solicitations through this medium will not be considered.


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