Zane Benefits Publishes New Information on Louisiana Health Insurance Exchange

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New Exchange to Help 794,805 Uninsured Louisiana Residents Access Health Insurance

Today, Zane Benefits, Inc. published new information on Louisiana 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, beginning 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 (also called health insurance marketplaces).

Most importantly, the key tax credits (e.g. the small business healthcare tax credits) and tax subsidies (e.g. individual health insurance tax subsidies) will only be available for coverage purchased through a state health insurance exchanges.

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 a federally-facilitated exchange

Louisiana will default to a federally-facilitated health insurance exchange.

History of the Louisiana Health Insurance Exchange

According to Zane Benefits’ website, Governor Bobby Jindal has been a vocal opponent of health care reform and Medicaid expansion. During the 2012 legislative session, Senate Bill 744 was introduced to establish the Louisiana Health Insurance Exchange, however the bill did not have support from Governor Jindal and the legislation failed when the 2012 session ended. In July 2012, Governor Jindal announced that Louisiana would default to a federally-facilitated health insurance exchange, and that Louisiana would not participate in Medicaid expansion.

Louisiana Health Insurance Exchange

According to Zane Benefits’ website, the Louisiana Health Insurance Exchange will be operated through a federally-run health insurance exchange, also referred to as the Health Insurance Marketplace. Starting in October 2013, Louisiana residents will be able to access information about all the plans available through the Exchange. The SHOP Exchange will also be available to small businesses with 100 or fewer employers. Coverage from the Exchange starts in January 2014.

According to an estimate by, 794,805 or 20% of Louisiana’s non-elderly residents are uninsured.

Plans Through the Louisiana Health Insurance Exchange

According to Zane Benefits’ website, all plans offered through the Louisiana Health Insurance Exchange will meet the ACA definition of a Qualified Health Plan (QHP). The plans will be offered by level of coverage for essential health benefits (EHB), to allow consumers to compare plans on an "apples to apples" basis. The four "metal" levels are: Bronze (plan pays 60%), Silver (plan pays 70%), Gold (plan pays 80%) and Platinum (plan pays 90%). More information on the types of plans that will be available, and the carriers offering plans in Louisiana, is expected by late summer 2013.

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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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