Authorizes health care providers to negotiate with carriers regarding fee- and non-fee-related matters.

This bill (S 1386) allows multiple independent health care providers in New Jersey to jointly negotiate with insurance carriers (health/dental plans) about non-fee-related policies affecting patient care. It directly affects licensed health care providers (like doctors and dentists) who practice in the same service area as a carrier, enabling them to form groups to discuss clinical policies rather than just payment rates. Key provisions cover topics such as medical necessity rules, referral standards, drug formularies, and utilization management (how insurers review care decisions). The goal is to give providers more negotiating power to improve care quality and access, countering carriers' current ability to unilaterally set terms. The bill aims to restore market balance while qualifying these joint negotiations for legal protection under antitrust laws.