Zane Benefits Publishes New Information on State Health Insurance Exchanges

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Tax Credits Will Only be Available for Insurance Coverage Purchased Through Exchanges

Today, Zane Benefits, Inc. published new information on state health insurance exchanges. Zane Benefits, which provides comprehensive and flexible alternatives to traditional employer sponsored health benefits, is the leader in defined contribution and health reimbursement arrangements.

According to Zane Benefits’ website, health insurance coverage for individuals and small businesses will become available through new state health insurance exchanges starting in 2014. Most importantly, the key tax credits (e.g. individual health insurance tax subsidies) will only be available for coverage purchased via these exchanges.

February 15, 2013 Deadline

According to Zane Benefits’ website, states were required to decide by February 15, 2013 whether they would:

1. Create their own health insurance exchanges,
2. Partner with the federal government, or
3. Default to a federally-run exchange.

According to Zane Benefits’ website, as of February 15, 2013 states have made the following decisions about health insurance exchange implementation:

  • 18 Have Declared a State-based Exchange
  • 7 Have Planned for a Partnership Exchange
  • 26 Have Defaulted to a Federal Exchange

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

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Christina Merhar
Zane Benefits
800-391-9209 6725
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