Park City, utah (PRWEB) September 22, 2013
Today, Zane Benefits, the number one online small business health benefits solution, published new information on choosing an individual health insurance plan.
According to Zane Benefits’ website, ObamaCare introduces four new health reforms that encourage more people than ever to purchase their own individual health insurance, without involvement from an employer.
The four new reforms coming in 2014, that will "push" millions of Americans into the individual health insurance market, are:
Individual Mandate: requires nearly all US citizens to be covered under health insurance, or pay an annual tax penalty.
Individual Health Insurance Marketplaces: online marketplaces where individuals can purchase an individual or family health insurance plan. The marketplaces will be the only place where consumers can access health insurance discounts via the health insurance tax subsidies.
Health Insurance Tax Subsidies: Tax credits granted on premiums to help make individual health insurance premiums more affordable. You will be eligible for the discounts if you meet certain income requirements and do not have access to employer-sponsored coverage or through a government program
Guaranteed-Issue Individual Health Plans: Starting in 2014, all individual health insurance plans cannot deny or charge more for premiums because of medical history.
Here are six tips when researching different plans through the individual health insurance marketplaces:
1. Understand the Categories of Coverage
2. All plans Will Offer Essential Health Benefits
3. Estimated the Amount and Cost of Care You'll Need
4. Review the Network of Providers
5. Not all Plans in the Same Tier Are Identical
6. Work with a Health Insurance Agent
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 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 Zane Benefits, visit http://www.zanebenefits.com.