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The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan

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  • Posted December 12, 2009

    The material is presented in a very thoughtful, well researched way. It The author provides useful information for the General public, the businessman, the insurance practitioner, and the researcher.

    This book is the first serious effort into the new health care delivery system known as DEFINED CONTRIBUTION. It is an important work in that it provides a historical timeline of WHERE it came from and what early laws it is based on. I would like to see a follow-up by another serious author to bring this concept into more current times. The book's timeline STOPS with the passage of the Medicare Modernization Act of 2003. It is now the closing days of 2009, and we are awaiting some form of OBAMACARE which will provide new rules for the Health Care marketplace. This scenario lends itself to a new treatment of this very important concept.

    SS - Van Cortlandt

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  • Anonymous

    Posted June 24, 2006

    Dont Buy This Book.

    I just spent $25 for this book at B&N in my area. In my opinion, dont waste your money. The author says you can get health ins. for about $96 permonth. What he doesnt tell you is that this rate is for a very healthy 24 year old. If you are , say, 55 then you pay way over $300 permonth for just yourself! plus you will have to cover thousands of dollars in deductibles. My opinion is to use your $25 cost of this book to buy food or pay a bill, since you are most probably out of work anyway.

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  • Anonymous

    Posted December 7, 2005

    A reviewer

    Short and sweet. Any time someone takes the time to inform the public and help, this is good. This is what this book does. It may not have the answers to everyone's problems but it certainly provides information on how to get insurance at an affordable price and puts somethings into perspective, such as insurance companies only want to generate revenue at your expense and will do whatever, to escape fulfilling their contact obligations. The reality is, forget about insurance as anything other that for catastophic coverage.

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  • Anonymous

    Posted January 15, 2006


    What a revelation! I work for a small company with group insurance and the president of our company recently gave us this book to read in advance of switching to individual health insurance and setting up HSA's. The savings going into our pockets is truly unbelievable. Plus, if I leave this company, my health insurance and my HSA go with me. Our boss had to search for months to find an insurance agent who knew anything about this. He even suggested to the person responsible for our group insurance read the book! Luckily he found an insurance agent who has been beneficial in implementing this plan across the US. This is especially beneficial for small companies who cannot possibly expect to receive affordable group insurance. I plan on giving this book to several people I know including another small company with group health insurance. I am so excited about the possibilities.

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  • Anonymous

    Posted October 26, 2005

    Priceless Information on Every Page

    I have never written a review, but I feel compelled to disparage the the previous reviewer ('For the Rich Only') who obviously has never read this book--this guy also posted the same negative review elsewhere on the web. Pilzer does advocate high deductible health insurance for some people, but clearly shows you step-by-step how to analyze whether high deductible will save you money and, as Pilzer points out, Pilzer himself switched from a high deductible to a tradtional policy when high deductible was no longer the best deal for his family. Now, to the main point, this book is absolutely amazing! It contains priceless information on every page and hundred of 'tips' that are so clear you wonder why no one ever told them before--like how to get 3 1/2 months of free COBRA coverage each time you change jobs. The chapter on Medicare, or the chapter on getting coverage for a sick child or spouse, or the chapter on long term disability, are each worth 100 times (Iiterally) the cost of this book. I'm not an employer, but Part II of this book, how employers can give employees tax-free allowances to buy their own permanent health insurance, makes tremendous sense. Buy this book. You will save lots of money and finally know how to get what every American deserves---permanent, safe, lifetime, affordable health insurance.

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