Employers

Save up to 50% on health benefits by switching from
Group to Personal health policies with ZaneHRA

ZaneHRA helps reduce the cost of health benefits by allowing employees to buy individual health policies.  Here's how it works:

	First, you decide how much you want to pay per employee.
	Second, your agent helps each employee choose their own personal health policy; Employees pay their premium and receive tax-free reimbursement.

What your existing health benefits broker may not be telling you

In 2009, an estimated 200,000 employers will cancel their group coverage and switch employees to personal policies because:

• Employees can now be reimbursed for their individual/family coverage with employer tax-free funds
• The cost of personal policies is typically 1/3 to 1/2 the cost of comparable group coverage for healthy applicants, often from the same carrier
• Personal Policies are permanent, portable and independent of employment
• Employees with medical conditions now receive (HIPAA-eligible) state-guaranteed personal policies when their group policy is cancelled

For more information on ZaneHRA, please visit the ZaneHRA Website or contact us.

If personal policies are not the correct solution for your employees, consider GroupHRA. GroupHRA allows you to save up to 50% on your group premium by raising the deductible and paying under-deductible expenses through your HRA.

  or call us directly at 800-391-9209.