Employers
Employers without Group Plans
Learn how defined-contribution health plans (HRAs)
can save your company thousands each year per employee over
traditional group plans.
Get step-by-step instructions on setting up your own HRA to
provide inexpensive health benefits to your employees.
Encourage employees to stay healthy by offering
first-dollar coverage for dental, vision, chiropractic, etc.
Employers with Group Plans
Save $2000/employee on your group plan by raising the Deductible and adding ZaneHRA and ZaneAMC.
Save $300-$1,000/month on every new employee by extending the waiting period
and offering ZaneHRA to cover the gap in coverage.
Encourage employees to stay healthy by offering
first-dollar coverage for dental, vision, chiropractic, etc.
Save money and protect your group plan by offering a COBRA-Alternative
ZaneHRA instead of expensive, temporary COBRA coverage.
Save money by giving employees over 40 a financial incentive to opt out
of the group plan by offering a Retirement ZaneHRA.
Some form of state-guaranteed coverage is now available for employees with preexisting
medical conditions in all 50 states, regardless of income.
Read how Zane Benefits has helped other employers.
In the News
"Individual insurance is by and large the way to go for most people,
but most people are clueless about how to buy individual insurance,
The big change is that this year a company can give you an allowance
and say 'Go buy your own [individual insurance], tax-free, and I'll
reimburse you for it.'"
"Through HRAs, you can offer 'defined contribution healthcare,' giving your
employees a fixed amount of money to buy their own policy," Pilzer says.
"Healthcare costs currently exceed profits for the Fortune 500.
Why be in business? If healthcare costs go up 15% a year, even if a
CEO can improve company profits 12% a year, it's not enough."
"Workers with serious illnesses will pay more than their colleagues,
but business owners no longer have to worry that switching to individual
plans will leave some employees uninsured."
"Paul Zane Pilzer, an economist and author of
The New Health Insurance Solution, argues
that with savings like that, employers should move toward canceling their
group policies and encourage all of their employees to purchase their
insurance individually."
"In a defined contribution plan, you provide your employees with
a tax-free allowance (contribution) to spend on their own
healthcare—at an annual fixed cost that you control.
Employees use this allowance to pay for the premium on an individual/family
health insurance policy."
The company may limit eligibility for their COBRA-Alternative
ZaneHRA to the length of service or class of employee.