The End of Employer-Provided Health Insurance: Why It's Good for You and Your Company

The End of Employer-Provided Health Insurance: Why It's Good for You and Your Company

by Paul Zane Pilzer, Rick Lindquist


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Product Details

ISBN-13: 9781119012115
Publisher: Wiley
Publication date: 11/17/2014
Pages: 288
Product dimensions: 6.00(w) x 9.10(h) x 1.10(d)

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

Table of Contents

Preface vii

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

References 249

Acknowledgments 253

About the Authors 255

Index 259

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RossK More than 1 year ago
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.