The New Health Insurance Solution | Book Excerpt
Author: Paul Zane Pilzer
Publisher: Wiley
ISBN-13: 9780470040218
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New Health Insurance Solutions for Individuals, Families, Self-Employed, and Businesses.
Two basic solutions apply to most readers of this books.
New Solution 1 – Individual/family health insurance policies (that you purchase yourself, just like auto insurance) are better for most people, especially if they are healthy and less than 60 years old. This is because they are:
Safer – Individual/family health insurance isn’t dependent on an employer, so you don’t lose your health insurance if you lose your job. (Losing job-related health insurance is how up to 1 million Americans each year end up in medical bankruptcy.)
Less expensive – The cost is about one-half (or less) the price of an employer-sponsored group plan for similar coverage (low deductible/doctor co-pay). Many families will pay less for high-quality individual/family health insurance than they are currently paying in monthly contributions to their employer plan.
New Solution 2 – For most people who are healthy, high-deductible health insurance, which is required to open a Health Savings Account (HSA), is better than a low-deductible plan. (High-deductible, HSA-qualified health insurance is available from either an employer-sponsored group plan or as an individual/family policy.) It is better for most people because it:
Lets you save whatever you don’t spend – Whatever you don’t spend each year is saved and invested tax-free in your Health Savings Account for future medical expenses or retirement.
Is far less expensive – The average cost of high-deductible, HSA-qualified health insurance is only $92 per month for a single person, nationwide – about half the price of similar low-deductible/co-pay plans. This mean millions of uninsured Americans can now afford health insurance. In addition, you get to make tax-deductible contributions to your Health Savings Account.
» Related post: List of United States Health Insurance Companies
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