Zane Benefits Publishes New Information on the 90-Day Waiting Period for Reimbursement Plans

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As of 2014, Plans May Not Imposes a Waiting Period of More than 90 Days

Today, Zane Benefits, the #1 Online Health Benefits Solution, published new information on health reform’s 90-day waiting period and reimbursement plans.

According to Zane Benefits’ website, due to health reform, "pure" defined contribution health benefits (such as Section 105 Healthcare Reimbursement Plans) may not impose a waiting period that exceeds 90 days, as of January 1, 2014.

Starting January 1st, 2014, under PHS Act Section 2708, eligibility conditions that are based solely on the lapse of a time period are permissible for no more than 90 days. Other conditions for eligibility under the terms of an HRP are generally permissible, unless the condition is designed to avoid compliance with the 90-day waiting period limitation.

According to Zane Benefits’ website, a Section 105 Healthcare Reimbursement Plan is an IRS-approved employer-funded health benefit plan where an employer reimburses an employee for health insurance premiums. An HRP is not health insurance. Rather, the HRP is a way to provide employees a healthcare allowance. An HRP is often the foundation of "pure" defined contribution health benefits.

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About Zane Benefits
Zane Benefits, the #1 Online Health Benefits Solution, was founded in 2006 to revolutionize the way employers provide employee health benefits in America. We empower employees to take control over their own healthcare, while helping employers recruit and retain the best talent. Our online solutions allow small and medium-sized businesses to successfully transition to a health benefits program that creates happier employees, reduces costs and frees up more time to serve their customers. For more information about ZaneHealth, visit

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Christina Merhar
Zane Benefits
+1 (800) 391-9209 Ext: 6725
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