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Zane Benefits Publishes New Information on Health Care Reform for Small Businesses
Date:5/4/2013

state Health Insurance Exchange will be operated in one of three ways: state-operated, state-federal partnership or federally-facilitated.

ACA requires all states to create two types of Exchanges:

  • American Health Benefit Exchange "AHBE": An individual Exchange
  • Small Business Health Options Program ("SHOP"): A group Exchange for employers with 100 or less employees (eligibility will vary by state)

Under the statute, only Qualified Health Plans (QHP) can be offered on the Exchanges. A QHP provides essential health benefits, follows established limits on cost-sharing (like deductibles, co-payments, and out-of-pocket maximum amounts), and meets other ACA requirements. Additionally, all plans will be guaranteed issue.

Most importantly, the key tax credits (e.g. the small business healthcare tax credits) and tax subsidies (e.g. individual health insurance tax subsidies) will only be available for coverage purchased via a state health insurance Exchange.

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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 http://www.zanebenefits.com.<
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