Zane Benefits Publishes New Information on How the ACA Varies By State

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The similarities and differences of the Affordable Care Act (ACA) by state.

Today, Zane Benefits, the number one online small business health benefits solution, published new information on how the ACA varies by state.

According to Zane Benefits’ website, the Affordable Care Act (ACA) is about to take a major step with the state health insurance marketplaces opening for enrollment on October 1, and with multiple ACA provisions coming into effect in January. Some parts of the ACA will affect everyone - regardless of where they live - and what parts of the ACA will depend on the state you reside in.

The ACA requires every state to set up a health insurance exchange. States had the decision whether to set up their own exchange, partner with the federal government, or use the federally-run exchange. As part of the individual mandate, all US citizens will be required to be enrolled in a health insurance plan or pay a tax penalty in 2014. In every state, the health insurance exchanges will be offering tax subsidies on premiums to those who meet certain income requirements. All plans, regardless of state, will fall into one of five levels of coverage: Bronze, Silver, Gold, Platinum, or Catastrophic. All insurance plans will cover a set of 10 essential health benefits and will be guaranteed-issue.

Even with all of these similarities, each person's experience will differ depending on which state you reside in. If your state is defaulting to the federally-run exchange model, then the exchange website is is the federal government exchange website. If your state is running its own health insurance exchange, it will have its own website. Additionally, under the ACA states can decide whether or not they will expand eligibility for Medicaid coverage. The availability and cost of health plans will also vary by state. The prices of plans are going to differ depending on which state you live in, and even which region of your state you live in.

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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHealth") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit

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Christina Merhar
Zane Benefits
800-391-9209 6725
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