Paul Zane Pilzer's The New Health Insurance Solution: How to Get Cheaper, PDF

By Paul Zane Pilzer

ISBN-10: 0471747157

ISBN-13: 9780471747154

ISBN-10: 0471771201

ISBN-13: 9780471771203

You now not desire a conventional organisation plan to get reliable, cheap medical insurance. the hot medical health insurance resolution can help lower your medical insurance expenditures in part if:

  • You're self-employed, an self reliant contractor, or your organisation does not supply medical health insurance (you can most likely get assurance by yourself for roughly $94/month—a fraction of what an organization must pay for a similar coverage)
  • You are hired and pay additional to hide your wife or young children lower than your employer-sponsored plan—you may perhaps store 50% by way of taking them off your service provider plan
  • You personal a small enterprise and are becoming killed by means of double-digit top class increases—you can now supply staff tax-free cash to shop for their very own plans and get your organization out of the medical insurance business

The e-book additionally explains intimately the simplest recommendations for you if:

  • You cannot locate cheap medical health insurance since you or a toddler have a pricey preexisting clinical challenge (your country has a application to supply you with assured assurance )
  • You're presently placing cash into an IRA or a 401(k)—because you do not detect that an HSA is usually a greater option
  • You're not sure the way you or your mom and dad may be capable of manage to pay for medical health insurance in the course of retirement, or the best way to maximize merits from Medicare—including the recent half D prescription drug plan

The New medical health insurance resolution is the definitive consultant to the recent methods each American can now get reasonable wellbeing and fitness care—without an employer.

PAUL ZANE PILZER is a world-renowned economist, a former consultant in White condo administrations, an entrepreneur/employer, an award-winning adjunct professor at NYU, and a brand new York instances bestselling writer.

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

Example text

As explained in Chapter 8, new corporate raiders may soon be purchasing companies whose stock prices have fallen because they are spending billions providing health benefits to current and past employees—most of whom are no longer contributing to the earnings of those companies. These new corporate raiders will simply terminate the companies’ retiree health benefits plan and in some cases reduce or terminate current employee health benefits. Those Americans who feel the safest—individuals receiving health insurance through their employers—are actually the most at risk.

Exclusions. The underwriter may accept your application with exclusions for “preexisting conditions” for one or more family members. For example, if you have a child with moderate diabetes, certain carriers will accept your child excluding all claims related to, or resulting from, diabetes. Such preexisting conditions may be excluded for a certain period of time or for as long as you keep renewing the policy. Generally, about 80 percent of the applicants for individual/ family insurance are accepted without being uprated or having exclusions.

5 The new rules follow. After a qualifying event, employers must send a “COBRA Qualifying Event Letter” to employees and/or their covered dependents. Most employers send this letter immediately. The letter must state the date your coverage ended and whether you are eligible for COBRA. If you are eligible, the letter must state the cost of each benefit option and the time frame within which you must elect coverage—which is the longer of 60 days from the date your coverage ended (qualifying event) or the date the letter was posted.

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


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