Zane Benefits Publishes New Information on HRA Health Insurance Subsidies

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How employers can pair an HRA with health insurance subsidies for cost savings.

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

According to Zane Benefits’ website, many small employers are combining Health Reimbursement Arrangements (HRAs), individual health insurance, and the new health insurance subsidies to create affordable health benefits that employees love.

Employers can help employees get access to these discounts by offering a standalone Health Reimbursement Arrangement (HRA) instead of traditional group health insurance.

With this approach, an employer would follow these four easy steps:

(1) Not offer a traditional group health insurance plan.

(2) Offer employees defined contribution health benefits by setting up a standalone HRA plan.

(3) Assign a health insurance broker to help employees enroll in health insurance through the state exchange, and receive a discount via a health insurance subsidy.

(4) Reimburse employees tax-free on payroll, after employees submit proof of their health insurance or medical expenses to their HRA provider.

If employees meet certain income requirements, and do not have access to an affordable employer-sponsored or government health insurance plan, then they will be eligible for the health insurance subsidies.

Eligibility is based on a standard called the "federal poverty level" (FPL). The employee's subsidy will cap the cost of their health insurance between 2% and 9.5% of his or her annual income.

Employees not eligible for the subsidies, because of household income or access to coverage under a spouse's health insurance plan or government program, can still use the HRA for their non-exchange health insurance premium expenses and/or other eligible medical expenses.

Click here to read the full article.

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 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 ZaneHRA, visit

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Christina Merhar
Zane Benefits
800-391-9209 6725
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