Zane Benefits Publishes New Information on Health Insurance Marketplace Enrollment

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Specific Enrollment Periods Defined for Guaranteed Health Insurance Exchanges

Today, Zane Benefits, Inc. published new information on health insurance marketplaces. 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, starting in 2014, health insurance companies will be prohibited from denying coverage to people in the individual health insurance marketplaces because of a pre-existing condition. But, there's a catch. That is, consumers can only enroll in guaranteed issue health insurance during annual enrollment periods defined in the exchange regulations.

1. What Enrollment Periods will the Health Insurance Marketplaces provide?

According to Zane Benefits’ website, the health insurance marketplaces will be required to provide an:

  • Initial open enrollment period, and
  • Annual open enrollment period.

The health insurance marketplaces must also provide special enrollment periods throughout the year for those individuals and families who meet certain requirements (see FAQ #5 below).

2. When is the initial open enrollment period?

According to Zane Benefits’ website, the initial open enrollment period begins October 1, 2013 and extends through March 31, 2014.

3. When is the annual open enrollment period?

According to Zane Benefits’ website, for plan years beginning on or after January 1, 2015, the annual open enrollment period begins October 15 and extends through December 7 of the preceding calendar year.

4. When will I be notified of the annual open enrollment period?

According to Zane Benefits’ website, starting in 2014, the health insurance marketplaces must provide a written annual open enrollment notification to each enrollee no earlier than September 1, and no later than September 30.

5. What are the special enrollment periods?
According to Zane Benefits’ website, the Health Insurance Marketplaces must allow individuals and enrollees to enroll in or change from one plan to another as a result of the following triggering events:

  • An individual or dependent loses minimum essential coverage.
  • An individual gains a dependent or becomes a dependent through marriage, birth, adoption or placement for adoption.
  • An individual, who was not previously a citizen, national, or lawfully present individual gains such status.
  • A qualified individual’s enrollment or non-enrollment in a plan is unintentional, inadvertent, or erroneous and is the result of the error, misrepresentation, or inaction of an officer, employee, or agent of the Health Insurance Marketplace or HHS, or its instrumentalities as evaluated and determined by the Health Insurance Exchanges.

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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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