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

by Paul Zane Pilzer

• ISBN13: 9780471771203
• ISBN10: 0471771201
• Format: eBook
• Copyright: 2005-10-01
• Publisher: Wiley

Summary

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.

Table of Contents

EXECUTIVE SUMMARY: NEW HEALTH INSURANCE SOLUTIONS FOR INDIVIDUALS, FAMILIES, SELF-EMPLOYED, AND BUSINESSES.

PREFACE.

ACKNOWLEDGMENTS.

PART I: How to Better Protect Your Family While Saving $5,000+ Each Year: Savvy and Affordable New Health Insurance Strategies.

CHAPTER 1. You Are One Serious Illness Away from Bankruptcy: The Huge Gaps in Your Employera??s Health Insurance Plan.

CHAPTER 2. Why Buying Your Own Health Insurance Is Better, Cheaper, and Safer Than Your Company Plan.

CHAPTER 3. Your Legal Rights to Health Insurance When You Lose Your Job or Change Jobs: ERISA, COBRA, and HIPAA.

CHAPTER 4. How to Buy Your Own Low-Cost, High-Quality Health Insurance Policy.

CHAPTER 5. The Best Options for Employees with a Good Company Plan: High Deductibles, Disability, Cafeteria Plans, FSAs, and HRAs.

CHAPTER 6. 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.

CHAPTER 7. What to Do if You or a Family Member Has a Major Health Problem.

CHAPTER 8. How to Get Affordable Medical Care When You Are Over 55: Early Retirement, Medicare, and Long-Term Care.

CHAPTER 9. How to Save 10 to 75 Percent on Your Prescription Drugs.

CHAPTER 10. How to Be a Smart Healthcare Shopper, Stay Healthy, and Keep the Savings.

PART II: How Businesses Can Fix Their Health Insurance Nightmare and Still Hire Great Employees.

CHAPTER 11. How Employers Can Save 50 Percent by Giving Employees Tax-Free Dollars to Buy Their Own Health Insurance: Defined Contribution Health Benefits.

CHAPTER 12. HSA Plans for Employers: Why Every Employer Should Encourage Tax-Free Employee Contributions to HSAs.

CHAPTER 13. 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.

EPILOGUE: The Future of Affordable Health Insurance in Americaa??Who Wins and Who Loses?

APPENDIX A: State-by-State Guide to Individual/Family Health Insurance Costs.

APPENDIX B: How Americans Get Health Insurance Today . . . and What about the 45 Million Uninsured?

NOTES.

INDEX.

ABOUT THE AUTHOR.