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Zane Benefits Publishes New Information on Health Insurance Exchange Carriers and Rates

Park City, UT (PRWEB) September 21, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on health insurance exchange carriers and rates.

According to Zane Benefits’ website, the Kaiser Family Foundation recently released a report analyzing individual health insurance premiums estimations for 2014. The report analyzes individual health insurance plan rates released in the 17 states plus the District of Columbia that have publicly released comprehensive data on health insurance exchange rates, or the rate filings submitted by insurers.

All states reporting plan rates at time of analysis had at least two insurance providers offering plans through their health insurance exchange. Though, the number of plans and tiers of coverage that each insurer provides varies.

The individual health insurance market is highly concentrated, with only a few health insurance companies providing insurance to a large majority of the population insured through individual or family plans currently. This is likely to change, but not right away. However, having access to side-by-side comparisons of these plans will open the market to other individual health insurance plan carriers.

Income and family size will be the determinants of whether or not an individual and his/her family are eligible for the ACA premium tax subsidies ("credits"). The premium tax subsidies cap the premium at a percentage of income.

According to KFF, individual health insurance exchange premium rates will vary significantly throughout the country, but in general they have been lower than expected. Estimations from the Congressional Budget Office imply that the premium for a 40-year-old enrolled in a Silver plan would pay a national average of $320/month for individual coverage. Fifteen out of the eighteen states for which data was available show premiums below that estimate.

Click here to read the full article.


About Zane Benefits

Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about Zane Benefits, visit

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