The New Health Insurance Solution: How to Get Cheaper, by Paul Zane Pilzer

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By Paul Zane Pilzer

You now not want a conventional company plan to get strong, cheap medical insurance. the recent medical health insurance resolution might help lower your medical insurance expenses in part if:

  • You're self-employed, an self sustaining contractor, or your organisation does not supply medical insurance (you can most likely get insurance by yourself for approximately $94/month—a fraction of what an business enterprise must pay for a similar coverage)
  • You are hired and pay additional to hide your wife or childrens lower than your employer-sponsored plan—you may well retailer 50% by way of taking them off your service provider plan
  • You personal a small company 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 health insurance business

The ebook additionally explains intimately the easiest ideas 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 insurance )
  • You're at the moment placing cash into an IRA or a 401(k)—because you do not observe that an HSA is often a greater option
  • You're not sure the way you or your mom and dad might be in a position to have enough money medical insurance in the course of retirement, or the way to maximize advantages from Medicare—including the recent half D prescription drug plan

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

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

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Families used to be covered by employers. Until recently, most employers providing employee health insurance included free or heavily subsidized coverage for the employee’s spouse and children. Today most private employers charge employees 50 to 100 percent of the cost for insuring their spouse and children. Many employees aren’t aware they are paying from half to all of the cost and not just a co-payment. Employers won’t tell you. If you are currently paying your employer for the cost of insuring your healthy spouse or children, your employer doesn’t want you to know about much less expensive individual or family health insurance.

COBRA typically costs individuals 102 percent of the full pro rata cost of an employer-sponsored group plan—which, as discussed here and Your Legal Rights to Health Insurance in Chapter 2, is two to three times the average premium paid for an individual or family policy. Summary of COBRA Rules and Eligibility Employers. COBRA applies only to individuals eligible to be covered by group health plans maintained by employers with 20 or more employees in the prior year (on more than 50 percent of business days).

Until recently, there was very little you could do about your situation. Thanks to new legislation and developments in the health insurance industry, you now have a good alternative to traditional employer health insurance— it’s called an individual policy or an individual/family policy. If you are relatively healthy and don’t have free employer-sponsored health insurance, you will probably be able to save thousands of dollars by purchasing your own individual/family health insurance policy without your employer—just as you buy your own auto insurance.

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