Employers

Employers without Group Plans

Defined Contribution Plans

Learn how defined-contribution health plans (HRAs) can save your company thousands each year per employee over traditional group plans.

Getting Started with Defined Contribution ZaneHRA

Get step-by-step instructions on setting up your own HRA to provide inexpensive health benefits to your employees.

Dental, Vision & Wellness HRA

Encourage employees to stay healthy by offering first-dollar coverage for dental, vision, chiropractic, etc.

Employers with Group Plans

Deductible-Gap ZaneHRA

Save $2000/employee on your group plan by raising the Deductible and adding ZaneHRA and ZaneAMC.

New-Hire ZaneHRA

Save $300-$1,000/month on every new employee by extending the waiting period and offering ZaneHRA to cover the gap in coverage.

Dental, Vision & Wellness HRA

Encourage employees to stay healthy by offering first-dollar coverage for dental, vision, chiropractic, etc.

COBRA-Alternative ZaneHRA

Save money and protect your group plan by offering a COBRA-Alternative ZaneHRA instead of expensive, temporary COBRA coverage.

Retirement ZaneHRA

Save money by giving employees over 40 a financial incentive to opt out of the group plan by offering a Retirement ZaneHRA.

Helping Employees With Preexisting Conditions

Some form of state-guaranteed coverage is now available for employees with preexisting medical conditions in all 50 states, regardless of income.

Testimonials

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.'"

Cut Health Care Costs With Individual Plans

"Through HRAs, you can offer 'defined contribution healthcare,' giving your employees a fixed amount of money to buy their own policy," Pilzer says.

Paul Zane Pilzer Checks the Pulse of Healthcare Insurance

"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."

Group Coverage Too Pricey?

"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."

Hands On Health Care

"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."

You Can Provide Healthcare Benefits

"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."

Testimonials—Employers

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Family in Dallas, Texas

My employer has a group insurance plan but to add my wife and kids to my employer plan would have cost me $500 a month. Zane Benefits got me an HSA policy for my whole family for $215 a month. Now I do not have to worry about my premium increasing (due to illness) or losing my coverage if a switch jobs.

Employer in Chicago, Illinois

This year the cost of our group plan increased by 30% and we were planning to cancel coverage entirely. Zane Benefits set up an HRA and helped every one of my 28 employees find an individual/family plan--including two employees that needed extra work to get them permanent Blue Cross affordable coverage from our state risk pool. The total cost was actually 30% less than we paid last year for our group plan, which is really 54% less than our group plan would have cost this year. Thank You Zane Benefits.

Individual in Sacramento, California

My employer had to cancel the company’s group plan due to the cost. I was not offered COBRA and have a pre-existing condition that excluded me from individual coverage. Zane Benefits explained to me my options as a HIPAA eligible individual and helped me get State guaranteed coverage without a waiting period for pre-existing conditions.

Employer Park City, Utah

I own a high-tech company that is expanding rapidly. I looked into getting a traditional employer sponsored group plan but the cost and the regulations made it an administration nightmare. Zane Benefits helped me institute an HRA for my employees. I got to choose my level of contribution and the ZaneHRA software made administering the plan quick and easy. I can now attract a high-level of employees.

Individual in Tampa, Florida

I am self employed and have been going without health insurance. I was paying $400 a month to my ex-wife for our son to be covered as a dependent on my ex-wife’s group policy. Zane Benefits found me an individual policy for my self and my son that cost me $225 a month and the benefits are better than the group plan my son was on.