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How to save 20 to 60 percent on health insurance!
The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. This book is written to ensure that you, your family, and your company get your fair share of the trillions of dollars the U.S. government will spend subsidizing individual health insurance plans between now and 2025. You will learn how to navigate the Affordable Care Act to save money without sacrificing coverage, and how to choose the plan that offers exactly what you, your family and your company need.
Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. The purpose of The End of Employer-Provided Health Insurance is to show you how to profit from this paradigm shift while helping you, your family, and your employees get better and safer health insurance at lower cost. It will help you save thousands of dollars per person each year and protect you from the greatest threat to your financial future—our nation's broken employer-provided health insurance system.
We are at the beginning of a paradigm shift in the way businesses offer employee health benefits and the way Americans get health insurance—a shift from an employer-driven defined benefit model to an individual-driven defined contribution model. This parallels a similar shift in employer-provided retirement benefits that took place two to three decades ago from defined benefit to defined contribution retirement plans.
Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans. Using the techniques outlined in this book, you and your employer will save money on health insurance by migrating from employer-provided health insurance coverage to employer-funded individual plans at a total cost that is 20 percent to 60 percent lower for the same coverage. That's $4,000 to $12,000 in savings per year for a family of four for the same hospitals, same doctors, and same prescriptions.
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About the Author
PAUL ZANE PILZER is The New York Times bestselling author of 11 books, a former professor at NYU, and has served as an economist in two White House administrations. He is also the Founder of six companies including the two largest U.S. suppliers of personalized employee health benefits.
RICK LINDQUIST is President of Zane Benefits, Inc., the U.S. leader in defined contribution employee health benefits. He is a regular contributor to leading health benefits publications, including ClarifyingHealth.com.
Table of Contents
Executive Summary—Why You Should Read This Book xi
Introduction—The End of Employer-Provided Health Insurance xvii
Part I The Problem and the Solution 1
Chapter 1 The Disadvantages of Employer-Provided Health Insurance 3
Chapter 2 The Advantages of Individual Health Insurance 22
Chapter 3 The Solution—Employer-Funded Individual Health Insurance 37
Part II How to Make Individual Health Insurance Work for You and Your Family 55
Chapter 4 What Is Individual Health Insurance? 57
Chapter 5 How Much Does Individual Health Insurance Cost? 62
Chapter 6 Premium Tax Credits: Are You Eligible for the Subsidy? 70
Chapter 7 When Can You Buy Individual Health Insurance? 81
Chapter 8 Where Can You Buy Individual Health Insurance? 89
Chapter 9 How to Choose Your Coverage—Bronze, Silver, Gold, or Platinum 100
Chapter 10 Networks—Choosing Your Doctors and Medical Providers 110
Chapter 11 How to Select the Right Plan for You and Your Family 119
Chapter 12 How to Reduce Your Individual Healthcare Costs 122
Part III How to Switch to Defined Contribution Healthcare 135
Chapter 13 What Is Defined Contribution Healthcare? 137
Chapter 14 How to Conduct a Defined Contribution Financial Analysis 154
Chapter 15 How to Implement a Defined Contribution Solution 164
Chapter 16 How to Choose a Defined Contribution Solution Provider 176
Chapter 17 How to Communicate Defined Contribution to Employees 191
Appendix A State-by-State Guide to Individual/Family Health Insurance Costs 203
Appendix B Is Your Company Required to Offer Employer-Provided Health Insurance? 245
About the Authors 255
Most Helpful Customer Reviews
Thank you Paul and Rick, this is a book that is a necessity for all Americans to read in this time of confusion! The End of Employer Provided Health Insurance clarifies the intricacies of purchasing health insurance as an individual and offering health benefits as an employer. Agents and Brokers would be wise to use this book as a guideline to not only better understand the "why" of the transition from group to individual health insurance, but to also easily explain all potential solutions for their clients and prospects. I will be advising friends, family, and those that I work with to read this book because I believe that it will help them to become a better consumer of health benefits, and in turn will protect them financially at a lower cost.