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Zane Benefits Publishes New Information on the ACA Penalty vs. Premium Decision

Park City, Utah (PRWEB) November 02, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on the ACA penalty vs. premium costs.

According to Zane Benefits’ website, when the Patient Protection and Affordable Care Act was passed on March 23, 2010 it included an employer shared responsibility provision. This has come to be known as the "Pay or Play" decision or the "Employer Mandate." This provision is only applicable to larger employers with 50+ full time equivalent employees and goes into effect in 2015.

The decision to pay or play means the decision to either provide health coverage that meets the minimum essential coverage, minimum value, and affordability requirements ("play") or decide to pay a penalty ("pay"). A third option is to "play differently" with a pure defined contribution health benefits strategy. This third option allows employers to take advantage of the individual insurance premium tax subsidies and actually save money on health costs.

In July 2013 this provision, and the related penalties, were delayed from 2014 to 2015. Small businesses are not impacted by this provision. However, even with the provision delayed a year, many medium and large employers still have this looming deadline on their mind and are planning their 2015 health benefits now.

To play means a company would offer employees health insurance that meets essential health benefits and is affordable to employees, by PPACA standards -- pay the premiums.

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 ("ZaneHealth") 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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