NJ S3223

Expands the definition of "health care sharing ministry" to include organizations established after December 31, 1999, exempting their members from New Jersey's individual health insurance mandate and associated tax penalties

Requires health care sharing ministries operating in New Jersey to post extensive annual disclosures on their websites by March 1, including participant numbers, fees collected, reimbursement statistics, denial rates, and administrative expenses

Mandates that ministries conduct annual independent audits following generally accepted accounting principles and make results publicly available to qualify as a health care sharing ministry

Requires ministries to post conspicuous notices that their plans are not health insurance and to disclose information about third-party marketers, insurance producers, commissions paid, and any legal actions taken against them in other states

Authorizes the Director of Consumer Affairs to issue notices of noncompliance and, after 45 days of continued noncompliance, seek injunctions or impose monetary penalties against ministries that fail to meet reporting requirements