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Zane Benefits Publishes New Information on the Montana Health Insurance Exchange

Park City, Utah (PRWEB) June 23, 2013

Today, Zane Benefits, Inc. published new information on Montana Health Insurance Exchange. Zane Benefits, which provides comprehensive and flexible alternatives to traditional employer sponsored health benefits, is the leader in defined contribution and health reimbursement arrangements.

According to Zane Benefits’ website, as part of the Affordable Care Act (ACA), health insurance coverage for individuals and small businesses will become available through new state health insurance exchanges (also called health insurance marketplaces).

All states have three options for setting up a state health insurance exchange for 2014; either build a state-based exchange, enter into a state-federal partnership exchange, or default to a federally-facilitated exchange.

Montana will default to a federally-facilitated health insurance exchange, however Montana will maintain oversight of the plan management functions.

According to Zane Benefits’ website, originally Montana introduced legislation to establish a state-based health insurance exchange, however legislation failed to pass. Montana announced on December 9, 2012 that Montana would default to a federally-run health insurance exchange. Montana received approval to maintain control over the plan management functions of the Exchange, meaning they will have full authority to review their state health insurance exchange rates and carriers.

According to Zane Benefits’ website, the Montana Health Insurance Exchange will be operated through a federally-run health insurance exchange, also referred to as the Health Insurance Marketplace. Starting in October 2013 Montana residents will be able to access information about all the plans available through the Exchange. The SHOP Exchange will also be available to small businesses with 100 or fewer employers. Coverage from the Exchange starts in January 2014.

According to an estimate by, 185,904 or 22% of Montana’s non-elderly residents are uninsured, of whom 169,491 (91%) may qualify for either tax credits to purchase coverage in the Marketplace or for Medicaid if Montana participates in Medicaid expansion.

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

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Source: PRWeb
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