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

By Paul Zane Pilzer

You now not want a conventional supplier plan to get sturdy, reasonable medical insurance. the hot medical health insurance resolution will help reduce your medical health insurance charges in part if:

  • You're self-employed, an self sustaining contractor, or your supplier does not offer medical insurance (you can most likely get assurance by yourself for approximately $94/month—a fraction of what an organization must pay for a similar coverage)
  • You are hired and pay additional to hide your wife or little ones lower than your employer-sponsored plan—you might shop 50% through taking them off your business enterprise plan
  • You personal a small company and have become killed through double-digit top class increases—you can now provide staff tax-free funds to shop for their very own plans and get your organization out of the medical insurance business

The publication additionally explains intimately the simplest ideas for you if:

  • You cannot locate reasonable medical health insurance since you or a baby have a pricey preexisting scientific challenge (your country has a software to supply you with assured insurance )
  • You're at the moment placing cash into an IRA or a 401(k)—because you do not detect that an HSA is often a greater option
  • You're uncertain the way you or your mom and dad should be in a position to find the money for medical insurance in the course of retirement, or the right way to maximize merits from Medicare—including the hot half D prescription drug plan

The New medical health insurance resolution is the definitive consultant to the recent methods each American can now get cheap health and wellbeing 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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Extra resources for The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan

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You can also get separate coverage for an unhealthy member of your family from your state (called “state-guaranteed” coverage) or a different carrier, while insuring the healthy members of your family under a policy that will likely cost thousands of dollars less. If possible, try to avoid applying for individual health insurance if you have a preexisting medical condition or think you may be rejected for any reason. If you ever get rejected, you will have to state the reason for rejection on every subsequent application, and your premium could be higher.

COBRA Timeline—How to Get COBRA Coverage if You Need It If you need COBRA because you or a family member has an expensive medical problem and can’t get an affordable individual/family policy, you must carefully follow COBRA’s qualifying rules. Neither your employer, your spouse’s employer, nor your ex-spouse’s employer is likely to make any exception for you if you fail to follow the exact COBRA timeline required. The reason is that employers typically dislike COBRA coverage and provide it only because it is legally required.

There have been hundreds of legal cases in which ex-employers claimed people who got cancer or had a heart attack were not covered under COBRA because they had either missed the last date to accept COBRA or had sent in their COBRA premium too late. 5 The new rules follow. After a qualifying event, employers must send a “COBRA Qualifying Event Letter” to employees and/or their covered dependents. Most employers send this letter immediately. The letter must state the date your coverage ended and whether you are eligible for COBRA.

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