Prohibits insurers, SHBP, and SEHBP from charging fee for paper bills and notices.

New Jersey's A 1965 prohibits insurers (including auto, home, and health insurance companies) and state health benefit programs (State Health Benefits Program and School Employees’ Health Benefits Program) from charging policyholders a fee for receiving paper bills or notices. The law requires insurers to provide physical mailings at no extra cost, while still allowing them to offer discounts for digital billing options. It applies to all standard insurance policies and state health plans, with penalties of up to $1,000 per violation for insurers that violate this rule. The bill aims to eliminate hidden costs for consumers choosing paper communications.