Zane Benefits Publishes New Information on Health Reform Questions for Small Business

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The 7 health reform questions all small businesses need to know.

Today, Zane Benefits, the number one online small business health benefits solution, published new information on health reform questions for small business.

According to Zane Benefits’ website, as a small business, there are certain aspects of health reform that impact businesses and their employees. Here are eight key questions about health reform that all small businesses need to know.

Q: What are the New Exchanges?

A: The Health Insurance Exchanges are new websites where employees can go to compare and enroll in health insurance plans.

Q: Who Runs the Exchanges?

A: It depends on the state. States can run their own exchange or default to the federal model.

Q: Who is Using the Exchanges?

A: The Exchanges are open to people under age 65 who are currently uninsured, buy coverage on their own, and employees of small businesses with 50 or fewer employees whose employer has decided to use the Exchange.

Q: How will Employees Know About the Exchanges?

A: Employees will hear about it from work. The Exchanges are also doing extensive marketing and outreach campaigns to educate the public about the Exchanges via social media, word of mouth, and the news.

Q: Do Employees Have to Buy Insurance?

A: Yes, or pay a tax penalty. The law requires that most Americans be insured starting January 1, 2014.

Q: As a Small Business, Do I Have to Provide Health Insurance?

A: No. The law requires that only larger companies (with 50+ FTE employees) offer health benefits to employees.

Q: Are There Any New Small Business Health Insurance Options?

A: Yes.

First, as part of the Exchanges, there is an option for small businesses called the SHOP Exchange.

The second new option for small businesses is to offer a pure defined contribution health plan, where small businesses give employees a health care allowance instead of purchasing a group health plan.

Q: What’s Happening with Medicaid?

A: Medicaid, the government health program for low-income Americans, is expanding under health reform - but it's optional for states to participate. As such, about half of the states have opted out.

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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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