【圖書簡介】 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
【作者簡介】 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.
【本書目錄】 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