The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan
- ISBN13: 9780470040218
- Condition: NEW
- Notes: Brand New from Publisher. No Remainder Mark.
Product Description
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.
For more information: The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan
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Some good information for the truly ingnorant. There is nothing is this book that could not have been completed in the equivalent of a short Sunday newspaper article. All though the author is not selling anything per se, except his book, the inside reads like an info-mercial (high on theory).
Rating: 1 / 5
The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan
New Health Solutions gives the reader lots of data and examples on how a family could afford health insurance. What the author left out was yeah all of us could get some type of health insurance plan with a very large deductibles, you might as well have no insurance because you will be paying out of pocket thousands of dollars before this affordable insurance plan kicks in!
Now the author suggests you remove your spouse and childern off your plan at work and you will get a cheaper monthly price for doing so. All great if your kids don’t get sick or if they do not need school physcials every year and vaccitaions so they can go to school with the rest of the childern in middle income America. Last I checked most kids get sick and need the shots to go to school and some how you will save money by paying yourself? When was the last time you went to your childerns doctor’s office and asked to pay less and please do not skip any steps you would normaly do if you were charging full price. Come on, Health saving plans for the those who could afford them would have been a better title. If you have $5000 laying around to put into saving then you wouldn’t need a lower insurance package to begin with. We can not seperate ourselves from the risk pool as the author suggests so easly by leaving our company insurance plans. Why? because your age works against you! each year you add on your insurance goes up! It’s that simple- as we age , we are more likly to become ill and cost someone more money to take care of us, it’s just the facts of life. If you are single you may be able to use some of the author’s suggestions without too much self injury, but a family think again and talk it over with a number of agents. It is like buying car insurance or house insurance you get what you pay for.
Rating: 1 / 5
The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan
My take-away was pretty easy to define: If you are healthy or wealthy and have a guaranty that you will stay that way forever then go with the author’s advice. A state funded health program that in my case has a cost of $972.00 per month, is not a realistic option. Sure I can save money by purchasing a seperate policy for the rest of my family, but how realistic is insurance for our family at $1,200 to $1,500 per month? If I have high income then, OK, I’ve got the savings. But who worries about the savings of $1,500 per month when you have to pay out $1,800 to get it? Answer: a person with lots of income. This sounds like a book written by an insurance salesman - hey, it is!!
Rating: 1 / 5
The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan
This book fills in all the wholes in the health insurance market that allows you to make informative decission on the direction for your health insurance needs for the family and being self employed.
Rating: 5 / 5
The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan
As the director of a large group of self-employed professionals in the Pacific NW, I was extremely disappointed with this. Let’s stop trying to paint a rosy picture on a very BAD situation. Fact is, health insurance is very inaccessible to individuals. Each state is different, so there is no blanket answer. There are some lower premium plans for males in their 20s, but that’s only if they do not actually try to use the coverage. If they need to see a doctor, the premiums go up - so the plan is just for carrying the card. As for the rest of us, there is not a reasonable answer yet. HSAs are not what they promise to be. For one, they are not portable. That means that once you DO find a plan (usually fairly high premium and very high deductible) you are locked into the HSA. Then the plan can raise premiums whenever they want and you cannot go elsewhere. Again, the ‘plan’ does not actually cover any health care. You pay for everything out of your pocket. Your premiums only cover the card you carry. This is not a bargain.
This is not a book of solutions. The number of self-employed professionals is more than one third of all the work force of the US. We need to DEMAND better than this or we will stop paying double taxes.
Mr. Philzer, please use your skills to deal with the real issue, not candy coating it just to make yourself a few bucks.
Very disappointed.
Rating: 1 / 5
The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan