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The End of Employer-Provided Health Insurance

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

作者： Paul Zane Pilzer; Rick Lindquist
出版商： John Wiley & Sons
ISBN: 9781119012115
出版时间 November 2014
规格： Hardback , 288 pages
适应领域： International ? 免责申明：
Countri(es) stated herein are used as reference only

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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.
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
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.

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