At PHA, we are focused on New Jersey. And we understand the issues many groups are facing in the public sector today. An unsustainable state health plan causing costs to go up and benefit levels to go down, other brokers relying on an outdated business models that keeps them rich on commissions and you in the dark. Those days are over. PHA uses cutting edge technology and the latest resources in the employee benefits marketplace to save you money on the bottom line while enhancing coverages across the board for all employees.