<div style="display:inline;"> <img height="1" width="1" style="border-style:none;" alt="" src="//googleads.g.doubleclick.net/pagead/viewthroughconversion/1055715751/?value=0&amp;guid=ON&amp;script=0">
Health Benefit Questions?

QUESTIONS? 800-391-9209

Call us. We're here to help.

Request a Demo

Request a Demo. Let us show you how
ZaneHealth can save you up to 50%.

Happier Employees

Individual health plans cost up to 50% less than traditional group health insurance.
Employees choose the coverage and doctors that best fits their family's needs.
Employees keep their health insurance when they leave the company.
Employees can access their online portal 24/7.

Controllable Costs

Your business sets a monthly healthcare allowance — a "defined contribution".
Give different employee allowances based on job criteria and family status.
Use real-time reporting to monitor employee utilization and track balances.
ZaneHealth reimbursements are tax deductible to your business.

More Time for Meaningful Work

Administer ZaneHealth online in less than 5 minutes per month.
Our customer support team is available via phone, web and chat.
Annual renewals are handled automatically by the ZaneHealth software platform.
Use your existing payroll system to transfer reimbursements.

Easy Transition

Start offering ZaneHealth in less than 15 minutes online.
ZaneHealth helps you comply with applicable regulations.
Designate health insurance professionals to help employees select a plan.
Customize ZaneHealth to meet your recruiting and retention goals.

Why Individual Health Insurance Is Better.

How Group Health Insurance Works

No Consumerism

Group health insurance is broken because you have an employer picking a one-size-fit-all plan for employees and families with very different needs. As a result, most employees have NO idea what their health insurance plan is or what it covers.

No consumerism
Unsustainable Costs

The average cost to cover an employee with group health insurance has increased from $2,196 per year in 1999 to $5,884 per year in 2013. For family coverage, the cost has increased from $5,791 per year in 1999 to $16,351 per year in 2013. This is not sustainable for employers or employees.

Unsustainable Costs
Not Portable

Employer group policies may only be held by a company's employees. When an employee terminates employment, their family loses coverage unless they elect COBRA, which is often unaffordable.

How Individual Health Insurance Works

Employee Choice
Employee Choice

With individual health insurance, employees choose the coverage and doctors that best fits their family's needs. Individual plans are categorized by four standard levels of coverage called "metallic tiers" to make it easy to compare options.

Lower Health Insurance Costs
Lower Costs

On average, individual health insurance plans cost 20% less than traditional group health insurance, and special "discounts" are now available for plans purchased in the Health Insurance Marketplaces. These discounts, called “premium tax credits,” will help eligible employees buy individual plans at reduced price.

100% Portability

Individual health policies are superior to group coverage for all employees because they are permanent and portable, independent of their employment. As a result, there is no more need for expensive, temporary COBRA.

How ZaneHealth Works

Employers Reimburse Employees for Individual Health Insurance.

  1. Employer sets a monthly healthcare allowance — a "defined contribution"
  2. Employees pay for their own health plan with their own money — just like car insurance
  3. ZaneHealth verifies expenses, and employers reimburse employees for their health plan cost — up to their healthcare allowance
We're here to help.
Call us and speak with a Defined Contribution Specialist who will answer any questions you may have.
One of our Defined Contribution Specialists will show you how the ZaneHealth software can help you save money and create happier employees.
Check out the ZaneHealth resource center to get educated on HRAsdefined contribution, individual health insurance, and health care reform.
We're here to help