Zane Benefits Publishes New Information on Health Insurance Navigators

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Affordable Care Act Requires State Health Insurance Marketplaces to Establish a “Navigator” Program

Today, Zane Benefits, Inc. published new information on health insurance navigators. 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, the Affordable Care Act requires state health insurance marketplaces to establish a “navigator” program (Section 1311(i)) that will help individuals who are eligible to purchase coverage through a health insurance marketplace learn about their new coverage options and enroll. States can award grants to entities that will provide these services.

What is a health insurance navigator?

According to Zane Benefits’ website, under current law, navigators have the following five duties:

  • To conduct public education about the availability of qualified health plans.
  • To distribute fair, impartial information about enrollment in qualified plans and about the availability of premium tax credits and cost-sharing assistance in the exchange.
  • To facilitate enrollment in qualified plans.
  • To refer people who need help resolving a problem with their health plan or with their premium assistance to a consumer assistance or ombudsman program or to another appropriate agency that can help with a grievance or appeal.
  • To provide information in a culturally and linguistically appropriate manner to the population being served by an exchange.

Who can become a health insurance navigator?

According to Zane Benefits’ website, the law lists a number of different kinds of entities that could become navigators, including:

  • community- and consumer-focused nonprofits;
  • trade, industry, and professional associations;
  • commercial fishing, ranching, and farming organizations;
  • chambers of commerce;
  • unions;
  • Small Business Administration resource partners;
  • licensed insurance agents and brokers; and
  • other entities.

To be eligible to receive navigator grants, an entity must meet the following criteria:

1. Relationships

The entity must already have relationships, or be readily able to establish relationships, with one or more of the following that qualify to enroll in exchange plans:

  • employers and employees;
  • consumers, including uninsured and underinsured consumers; and
  • self-employed individuals.

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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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