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
