The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan
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You no longer need a traditional employer plan to get good, affordable health insurance. The New Health Insurance Solution can help you cut your health insurance costs in half if: You're self-employed, an independent contractor, or your employer doesn't provide health insurance (you can probably get coverage on your own for about $94/month—a fraction of what an employer would have to pay for the same coverage) You are employed and pay extra to cover your spouse or children under your employer-sponsored plan—you may save 50% by taking them off your employer plan You own a small business and are getting killed by double-digit premium increases—you can now give employees tax-free money to buy their own plans and get your company out of the health insurance business The book also explains in detail the best solutions for you if: You can't find affordable health insurance because you or a child have an expensive preexisting medical problem (your state has a program to provide you with guaranteed coverage ) You're currently putting money into an IRA or a 401(k)—because you don't realize that an HSA is always a better option You're unsure how you or your parents will be able to afford health insurance during retirement, or how to maximize benefits from Medicare—including the new Part D prescription drug plan The New Health Insurance Solution is the definitive guide to the new ways every American can now get affordable health care—without an employer. PAUL ZANE PILZER is a world-renowned economist, a former advisor in two White House administrations, an entrepreneur/employer, anaward-winning adjunct professor at NYU, and a New York Times bestselling author. Library Journal Forty-five million Americans are without health insurance, mostly because they are unable to obtain it through employment and earn too much to qualify for Medicaid. Economist Pilzer (Other People's Money) asserts that most people-even those with coverage-would be better off buying their own policies than relying on their employers. He provides an overview of the health insurance industry and explains why coverage is so expensive for both employers and individuals. Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), indemnity plans, Exclusive Provider Organizations (EPOs), flexible savings accounts, health reimbursement arrangements, health savings accounts, state-guaranteed subsidized insurance, Medicaid, and medical discount cards are all defined with their advantages and disadvantages. Suggestions for choosing appropriate health insurance, including what to look for in a policy, are outlined; tips for maximizing benefits, especially in purchasing prescription drugs, are helpful. Chapters aimed specifically at employers address finding decent insurance for workers. Pilzer explains an incredibly complex subject well for the committed reader. Recommended.-Janet M. Schneider, James A. Haley Veterans' Hosp. Lib., Tampa Copyright 2005 Reed Business Information.
Executive summary : new health insurance solutions for individuals, families, self-employed, and businessesPt. IHow to better protect your family while saving $5,000+ each year : savvy and affordable new health insurance strategiesCh. 1You are one serious illness away from bankruptcy : the huge gaps in your employer's health insurance plan3Ch. 2Why buying your own health insurance is better, cheaper, and safer than your company plan18Ch. 3Your legal rights to health insurance when you lose your job or change jobs : ERISA, COBRA, and HIPAA31Ch. 4How to buy your own low-cost, high-quality health insurance policy47Ch. 5The best options for employees with a good company plan : high deductibles, disability, cafeteria plans, FSAs, and HRAs76Ch. 6Health savings accounts : why you should fully fund your HSA before putting even $1 in your IRA or 401 (k) ... and how to build a $500,000+ HSA nest egg96Ch. 7What to do if you or a family member has a major health problem115Ch. 8How to get affordable medical care when you are over 55 : early retirement, Medicare, and long-term care128Ch. 9How to save 10 to 75 percent on your prescription drugs151Ch. 10How to be a smart healthcare shopper, stay healthy, and keep the savings165Pt. IIHow businesses can fix their health insurance nightmare and still hire great employeesCh. 11How employers can save 50 percent by giving employees tax-free dollars to buy their own health insurance : defined contribution health benefits179Ch. 12HSA plans for employers : why every employer should encourage tax-free employee contributions to HSAs197Ch. 13HRAs for employers : how to use HRAs to save $2,000 to $6,000 per employee each year while getting your employees better health insurance207Epilogue : the future of affordable health insurance in America - who wins and who loses?227App. AState-by-state guide to individual/family health insurance costs242App. BHow Americans get health insurance today ... and what about the 45 million uninsured?297
