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Zane Benefits Publishes New Information on the New Jersey Health Insurance Exchange

Park City, Utah (PRWEB) May 09, 2013

Today, Zane Benefits, Inc. published a new information on the NJ Health Insurance Exchange. Zane Benefits, which provides comprehensive and flexible alternatives to traditional employer sponsored health benefits, is the leader in health care reform, 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 in January 2014. Most importantly, the key tax credits (e.g. the small business healthcare tax credits) and tax subsidies (e.g. individual health insurance tax subsidies) will only be available for coverage purchased via a state health insurance exchanges.

All states have three options for setting up a state health insurance exchange for 2014: Build a State-Based Exchange, enter into a State-Federal Partnership Exchange, or default to a Federally-Facilitated Exchange. New Jersey will default to a federally-facilitated health insurance exchange (also called the “marketplace”).

New Jersey Health Insurance Exchange - History

According to Zane Benefits’ website, on December 7, 2012, Governor Chris Christie vetoed A-3186/S-2135, which would have established a health insurance exchange within the Department of Banking and Insurance and announced that the state would default to a federal exchange. Governor Chris Christie vetoed similar legislation earlier in 2012. The federal government will assume full responsibility for running a health insurance exchange in New Jersey beginning in 2014.

New Jersey Health Insurance Exchange - What is It?

According to Zane Benefits’ website, the New Jersey health insurance exchange will be operated through a federally-run health insurance exchange, called the Health Insurance Marketplace. According to, starting in October 2013 New Jersey residents will be able to access information about all the plans available through the Marketplace. The SHOP Exchange will also be available to small businesses. Coverage from the Marketplace starts in January 2014.

According to an estimate by, 901,290 or 13% of New Jersey’s non-elderly residents are uninsured, of whom 789,746 (88%) may qualify for either tax credits to purchase coverage in the Marketplace or for Medicaid if New Jersey participates in the 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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