Zane Benefits Publishes New Information on the Florida Health Insurance Exchange

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Florida will Default to a Federally-Run Health Insurance Exchange, Opening October 1, 2013

Today, Zane Benefits, Inc. published new information on the Florida Health Insurance Exchange. 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, as part of the Affordable Care Act (ACA), health insurance coverage for individuals and small businesses will become available through new state health insurance marketplaces starting in 2014. All states have three options for setting up a state health insurance exchange for 2014:

  • Build a State-Based Exchange
  • Enter into a State-Federal Partnership Exchange
  • Default to the Federally-Facilitated Exchange

According to Zane Benefits’ website, Florida will default to the federally-facilitated health insurance exchange which opens October 1, 2013 for coverage starting January 1, 2014.

Florida Health Insurance Exchange - Defaulting to Federal Exchange

According to Zane Benefits’ website, on December 14, 2012, Governor Rick Scott announced that Florida would not be pursuing efforts to implement a state-based health insurance exchange. So, Florida will default to using the federally-run exchange.

Governor Scott has been a vocal opponent of federal health reform and the state has refused multiple funding opportunities available through the Affordable Care Act (ACA). Florida was the lead plaintiff in a lawsuit brought by 26 states seeking to declare parts of federal health reform unconstitutional.

Florida Health Insurance Exchange - What About Florida Health Choices?

According to Zane Benefits’ website, starting in 2008, Florida began creating Florida Health Choices, an exchange for small businesses that predated the passage of federal health reform. The initiative began in 2008 with the enactment of SB 2534. Florida Health Choices is a web portal where employers with 50 or fewer employees and some individuals, such as state retirees, can shop for health plans offered in their county.

Florida Health Choices does not currently comply with provisions in the ACA, such as providing subsidies to assist eligible low-income individuals with purchasing insurance or mandating that health plans sold through the exchange cover certain health benefits.

So, how will this fit into Florida's Health Insurance Exchange?

According to Zane Benefits’ website, this is yet to be seen. According to Florida Health Choices' website, it will run alongside the federally-run exchange available to Florida residents. While both programs are web-based and allow for choice among available products and programs, there are some differences in how they work.

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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 health care. 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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