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Zane Benefits Publishes New Information on Small Business Health Insurance
Date:12/23/2013

Park City, UT (PRWEB) December 23, 2013

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

According to Zane Benefits’ website, building a successful company is hard work. This includes offering competitive compensation and benefits to recruit and retain the best employees. All small companies face unique challenges when it comes to finding small business health insurance.

There are two primary categories of health insurance for small companies to choose from - individual health insurance and group health insurance.

Individual health insurance plans are health insurance plans purchased by individuals to cover themselves and/or their families - just like car insurance. Anyone can apply for individual health insurance.

As of 2014, insurance companies can no longer decline individuals for individual health insurance based on a pre-existing medical condition as they could previously. Also as of 2014, there are new tax credits available to eligible employees when they purchase individual health insurance.

When small companies decide on the individual health insurance route, they often offer employees a healthcare allowance to use on individual premiums. This type of offering is called a pure defined contribution approach or a Healthcare Reimbursement Plan.

Group health insurance plans are a form of employer-sponsored health coverage. Costs are typically shared between the employer and the employee, and coverage may also be extended to dependents. In certain states, self-employed persons without other employees may qualify for group
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