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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 pre*ion 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.

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 Employer'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 Log-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 an 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 America-Who Wins and Who Lo ses?

Appendix AState-by-State Guide to Individual/Family Health Insurance Costs

Appendix BHow Americans Get Health Insurance Today...and What about the 45 Million Uninsured?

Notes

Index

About the Author

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.

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书籍介绍

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.