The New Health Insurance Solution How to Get Cheaper, Better Coverage Without a Traditional Employer Plan

by Pilzer, Paul Zane

• ISBN13: 9780470040218
• ISBN10: 0470040211
• Edition: 1st
• Format: Paperback
• Copyright: 2007-01-02
• Publisher: Wiley

Summary

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, an award-winning adjunct professor at NYU, and a New York Times bestselling author.

Author Biography

PAUL ZANE PILZER is a bestselling author, entrepreneur, world-renowned economist, and a White House advisor to two presidents. He is the founder of Zane Benefits, a leading provider of individual, employer, and family health insurance. His previous books include the New York Times bestseller God Wants You to Be Rich, The New Wellness Revolution, Other People's Money, and Unlimited Wealth. For more information, visit www.paulzanepilzwer.com.

Table of Contents

Executive Summary: New Health Insurance Solutions for Individuals, Families, Self-Employed, and Businesses	p. vii
Preface	p. xv
Acknowledgments	p. xx
How to Better Protect Your Family While Saving $5,000+ Each Year: Savvy and Affordable New Health Insurance Strategies
You Are One Serious Illness Away from Bankruptcy: The Huge Gaps in Your Employer's Health Insurance Plan	p. 3
Why Buying Your Own Health Insurance Is Better, Cheaper, and Safer Than Your Company Plan	p. 18
Your Legal Rights to Health Insurance When You Lose Your Job or Change Jobs: ERISA, COBRA, and HIPAA	p. 31
How to Buy Your Own Low-Cost, High-Quality Health Insurance Policy	p. 47
The Best Options for Employees with a Good Company Plan: High Deductibles, Disability, Cafeteria Plans, FSAs, and HRAs	p. 76
Health 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 Egg	p. 96
What to Do if You or a Family Member Has a Major Health Problem	p. 115
How to Get Affordable Medical Care When You Are Over 55: Early Retirement, Medicare, and Long-Term Care	p. 128
How to Save 10 to 75 Percent on Your Prescription Drugs	p. 151
How to Be a Smart Healthcare Shopper, Stay Healthy, and Keep the Savings	p. 165
How Businesses Can Fix Their Health Insurance Nightmare and Still Hire Great Employees
How Employers Can Save 50 Percent by Giving Employees Tax-Free Dollars to Buy Their Own Health Insurance: Defined Contribution Health Benefits	p. 179
HSA Plans for Employers: Why Every Employer Should Encourage Tax-Free Employee Contributions to HSAs	p. 197
HRAs for Employers: How to Use HRAs to Save $2,000 to $6,000 per Employee Each Year While Getting Your Employees Better Health Insurance	p. 207
Epilogue: The Future of Affordable Health Insurance in America-Who Wins and Who Loses?	p. 227
State-by-State Guide to Individual/Family Health Insurance Costs	p. 242
How Americans Get Health Insurance Today...and What about the 45 Million Uninsured?	p. 297
Notes	p. 301
Index	p. 309
About the Author	p. 316
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