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 Loses? Appendix A. State-by-State Guide to Individual/Family Health Insurance Costs. Appendix B. How Americans Get Health Insurance Today...and What about the 45 Million Uninsured? Notes. Index. About the Author.
PAUL ZANE PILZER is a bestselling author, entrepreneur, world-renowned economist, and a White House advisor to two presidents. He is the founder of Zane Benefits, a leading provider of individual, employer, and family health insurance. His previous books include the New York Times bestseller God Wants You to Be Rich, The New Wellness Revolution, Other People's Money, and Unlimited Wealth. For more information, visit www.paulzanepilzwer.com.
Forty-five million Americans are without health insurance, mostly because they are unable to obtain it through employment and earn too much to qualify for Medicaid. Economist Pilzer (Other People's Money) asserts that most people-even those with coverage-would be better off buying their own policies than relying on their employers. He provides an overview of the health insurance industry and explains why coverage is so expensive for both employers and individuals. Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), indemnity plans, Exclusive Provider Organizations (EPOs), flexible savings accounts, health reimbursement arrangements, health savings accounts, state-guaranteed subsidized insurance, Medicaid, and medical discount cards are all defined with their advantages and disadvantages. Suggestions for choosing appropriate health insurance, including what to look for in a policy, are outlined; tips for maximizing benefits, especially in purchasing prescription drugs, are helpful. Chapters aimed specifically at employers address finding decent insurance for workers. Pilzer explains an incredibly complex subject well for the committed reader. Recommended.-Janet M. Schneider, James A. Haley Veterans' Hosp. Lib., Tampa Copyright 2005 Reed Business Information.