Zane Benefits Publishes New Information on Benefits of Individual Insurance

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Reasons Why Individual Health Insurance is Superior to Group Health Insurance

Today, Zane Benefits, the number one online small business health benefits solution, published new information on the benefits of individual insurance.

According to Zane Benefits’ website, individual health insurance is a superior way for small businesses to offer health insurance coverage to employees.

With individual health insurance, employees choose the coverage and doctors that best fits their family's needs. No more one-size-fits-all health plans. Individual plans are categorized by four standard levels of coverage called "metallic tiers" to make it easy to compare options. Employees own their policy and purchase the policy directly.

On average, individual health insurance plans cost 20% less than traditional group health insurance, and many employees are eligible for "discounts" for individual plans purchased in the Health Insurance Marketplaces.

Individual health policies are superior to group coverage for all employees because they are permanent and portable, independent of employment. As a result, there is no more need for expensive, temporary COBRA.

Group health insurance is inferior because you have an employer picking a one-size-fits-all plan for employees and families with very different needs.

Employer group policies may only be held by a company's employees. When an employee terminates employment, their family loses coverage unless they elect COBRA.

Because of the new advantages of individual health insurance, many businesses are using a pure defined contribution approach paired with individual health insurance to offer employees health benefits. With this type of approach, the business offers employees a health insurance allowance that employees can spend on purchasing individual health insurance. The business still offers employee benefits that achieve recruiting and retention goals, but they get out of the business of selecting and purchasing group health insurance.

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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
+1 (800) 391-9209 Ext: 6725
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