Zane Benefits Releases New Information on Small Employer Group Health Insurance

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How the ‘Death Spiral’ is Shaping Small Employer Group Health Insurance

Today, Zane Benefits, the #1 Online Health Benefits Solution, published a new information on how the ‘Death Spiral’ is shaping small employer group health insurance.

According to Zane Benefits’ website, to understand where we are today, it's important to understand what happened during the 1980s and 1990s that set in motion what many call the small employer health insurance death spiral.

Zane Benefits’ website says, by the late 1980s and early 1990s, the small business health insurance market became unstable as many insurers only wanted to insure the healthiest groups. As a result, in the early 1990s, most states adopted a version of the National Association of Insurance Commissioners’ (NAIC) "Small Employer Health Insurance Availability" Model Act in an attempt to address this market instability.

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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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