1. United States
2. N.J.
3. Letter

I am writing as a New Jersey resident deeply concerned about the escalating cost of healthcare for families, public employees, retirees, and community institutions across our state. Recent reporting shows that premiums in the State Health Benefits Program are once again projected to rise by double digits in 2027, with increases of more than 15% for active state workers and even higher rates for many retirees. These repeated spikes—following years of similar hikes—signal a system under growing strain, one that is becoming unsustainable for the people who rely on it. This trend is not abstract. In my own community, our church has faced sharply rising healthcare costs that now threaten our ability to support staff and maintain essential ministries. We are not alone. Municipalities have been leaving the state plan in search of cheaper options, shrinking the risk pool and driving costs even higher for those who remain. State officials themselves have warned that the system risks entering a “death spiral” without meaningful structural reform. Other states are exploring solutions. Hawaii’s long-standing commitment to coordinated, statewide healthcare planning—along with its recent efforts to design a cost‑effective single‑payer model—shows that a state can take proactive steps to stabilize costs, simplify coverage, and protect residents from unpredictable premium increases. New Jersey deserves the same level of ambition. I urge you to consider legislation that moves our state toward a unified, statewide health insurance system. A single‑payer model could reduce administrative waste, stabilize premiums, strengthen small employers and nonprofits, and ensure that every resident has access to dependable, affordable care. New Jersey families, workers, retirees, and community institutions need a healthcare system that is stable, fair, and sustainable. I hope you will take bold action to make that possible.