Zane Benefits Publishes New Information on Arizona Health Insurance Exchange

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After Failed Attempts to Set Up a State Marketplace, Arizona to Default to Federal Health Insurance Marketplace

Today, Zane Benefits, Inc. published new information on Arizona’s 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, starting in 2014, as part of the Affordable Care Act (ACA), health insurance coverage for individuals and small businesses will become available through new state health insurance exchanges.

All states have three options for setting up a state health insurance exchange for 2014:
1. Build a State-Based Exchange
2. Enter into a State-Federal Partnership Exchange
3. Default to a Federally-Facilitated Exchange

Governor Jan Brewer announced in November 2012 that Arizona would default to a federally-facilitated health insurance exchange.

Arizona Health Insurance Exchange - History
According to Zane Benefits’ website, originally Arizona established the Office of Health Insurance Exchange to “organize the health insurance marketplace for easier evaluation by individuals and small businesses to acquire affordable health insurance.” In 2011, the legislation establishing a state-based health insurance exchange failed.

On November 28, 2012, Governor Jan Brewer informed federal officials that Arizona would default to a federally-facilitated health insurance exchange. In the official statement by the State of Arizona, Governor Brewer explained "This decision comes following an extensive research and outreach process during which my team of health advisers conducted public hearings and met with HHS, patient advocates and representatives of Arizona hospitals, health providers, insurers, tribal groups and other members of the health care community."

Arizona Health Insurance Exchange - What is It?

According to Zane Benefits’ website, the Arizona health insurance exchange will be operated through the federally-run health insurance exchange, called the Health Insurance Marketplace ("Marketplace").

Starting in October 2013 Arizona residents will be able to access information about all the plans available through the Marketplace. The SHOP Exchange will also be available to small businesses. Coverage from the Marketplace starts in January 2014.

According to an estimate by the Kaiser Family Foundation, 1.18 million of 6.5 million Arizonans (18%) did not have health insurance in 2011. According to the Governor's office, an estimated 470,000 (out of 621,000 eligible residents) are expected to purchase insurance through the exchange by 2016.

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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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