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

mium even more.

According to Zane Benefits’ website, for the majority of small groups, individual health insurance is more affordable than group health insurance because of the size of the risk pool. Using individual health insurance as the foundation of employee health benefits is less financially risky for the small business. With a group health insurance plan, if one employee has a baby, a surgery, or is diagnosed with a chronic illness, a large premium rate increase at annual renewal time is likely.

Because of the affordability of individual health insurance compared with group health insurance, most small businesses are using a pure defined contribution approach paired with individual health insurance to offer employees health benefits. With this type of strategy, the business offers employees a health insurance allowance that employees can spend on purchasing individual health insurance. With health reform, all employees are guaranteed coverage and have access to the health insurance subsidies. Employees purchase the plan that best fits their family's health needs. Employers have complete cost predictability and there are no minimum or maximum contribution amounts.

Click here to read the full article.

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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHealth") for defin
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