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Zane Benefits Publishes New Information on Why Individual Health Insurance Costs Less
Date:11/10/2013

Park City, Utah (PRWEB) November 10, 2013

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

According to Zane Benefits’ website, individual health insurance is more affordable than group health insurance. And as of 2014, individual health plans must cover all individuals regardless of health and new subsidies are available for qualifying employees.

Individual health insurance is a type of health policy that an individual purchases for himself and/or his family. Starting in 2014, all individual health plans must cover employees regardless of health. With individual health insurance, the risk is spread over a large group of people -- hundreds of thousands, even millions depending on the plan and carrier.

Group health insurance coverage is a type of health policy that is purchased by an employer and is offered to eligible employees of the company and to eligible dependents of employees. With group health insurance, the employer selects the plan (or plans) to offer to employees. These days, the premium cost is usually split between the employer and employee, and there is a minimum percentage rate the employer must contribute to the premiums. The premium paid by employers for their group policies is typically increased every year based on the previous year’s healthcare costs of the employee group. With group health insurance, the risk is spread over the company.

If employees meet income requirements, then they will be eligible for health insurance premium subsidies to lower the cost of their pre
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