Goodbye Employer Provided Health Insurance

/ / All Posts, Health Insurance, Small Business

An article from Market Watch highlights Rick Lindquist and Paul Zane Pilzer, co-authors of “The End of Employer-Provided Health Insurance.” The book goes over why group health insurance is a thing of the past and why individuals, their families, and their employers are all benefiting from moving away from group health insurance options. Group health insurance rates continue to rise and that’s where Zane Benefits steps in. Zane Benefits is not a health insurance company, but a company that administers defined-contribution plans. What is that you might be asking? It is a benefit plan that gives employees a set amount of money each […]

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Common Misconceptions with Defined Contribution

/ / All Posts, Did You Know?, Health Insurance, In The News, Small Business

There are common misconceptions with defined contribution plans as to their legality and how to set them up to comply with regulations. One of the common questions comes from understanding that the employer is not directly paying for an employee’s individual health insurance. When a company sets up a defined contribution plan it must be compliant with IRS, ERISA, HIPPA, and ACA guidelines. We typically recommend using an administrator when setting up these plans. So why do you need to set up a formal plan to be in compliance versus giving the employee funds directly? To maintain compliance employers aren’t involved in

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Healthcare.gov is working?! Opinion or Fact?

/ / All Posts, Health Insurance, In The News

A recent article by St. Louis Today gives praise to the controversial Healthcare.gov website touting 11.7 million Americans enrolled through Healthcare.gov this year up from the 6.3 million enrolled last year. Although, there is around a 10 percent drop off, according to the article, from those that initially enroll to those who stay enrolled. Healthcare.gov allows Americans to receive a subsidy to help supplement the cost of rising health premiums in the States that do not have their own State run marketplace. The Federally run marketplace gets it’s fair share of criticism and negative news in the media, but these numbers exceeded

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