The New Health Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan

• You're self-employed, an independent contractor, or your employer doesn't provide health insurance (you can probably get coverage on your own for about $94/month—a fraction of what an employer would have to pay for the same coverage)
• You are employed and pay extra to cover your spouse or children under your employer-sponsored plan—you may save 50% by taking them off your employer plan
• You own a small business and are getting killed by double-digit premium increases—you can now give employees tax-free money to buy their own plans and get your company out of the health insurance business

The book also explains in detail the best solutions for you if:

• You can't find affordable health insurance because you or a child have an expensive preexisting medical problem (your state has a program to provide you with guaranteed coverage )
• You're currently putting money into an IRA or a 401(k)—because you don't realize that an HSA is always a better option
• You're unsure how you or your parents will be able to afford health insurance during retirement, or how to maximize benefits from Medicare—including the new Part D prescription drug plan

The New Health Insurance Solution is the definitive guide to the new ways every American can now get affordable health care—without an employer.

PAUL ZANE PILZER is a world-renowned economist, a former advisor in two White House administrations, an entrepreneur/employer, an award-winning adjunct professor at NYU, and a New York Times bestselling author.

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All Customer Reviews
Average Customer Review:
0 of 0 people found the following review helpful:

An option of choices, 2008-08-17
An option of choices and solutions to finding health coverage. Easy to read and understand.


0 of 0 people found the following review helpful:

Turned a complicated issue into something understandable, 2008-07-30
The book did a great job walking through the complicated maze (or land mine) of finding health insurance. After 16 years on Wall Street I left my firm recently and not sure if I'll go back to a big company. The book helped explain what to do and not to do in finding my own family policy. The three biggest insights I gleaned were: 1) work with a broker who can tell you in advance if your application might be denied (you don't want this on your permanent record); 2) opening an HSA could save over $2K/year in taxes; and 3) don't use the funds in your HSA for medical expenses until you retire (because the investment builds tax free). I almost didn't buy the book when I read the Amazon review that questioned the author's credentials but after reading the book it's more about simplifying a complicated issue than having experience selling insurance. I'd highly recommend this book to anyone who is leaving corporate America to either retire early or become their own boss.


3 of 4 people found the following review helpful:

Must-have for RVers, 2007-04-19
This book is a must-have for people who are thinking about or planning to travel full-time in an RV who are not yet eligible for Medicare. The New Health Care Solution walks you through the process of selecting health insurance. Since full-time RVers can choose a new domicile, the charts in Appendix A will help you make that decision, expecially if you have a preexisting condition.

There is a lot of information packed in this book. It is great to have it all in one reference book. In addition to explaining the laws relating to COBRA, HIPPA and Medicare (plus loopholes you can take advantage of), he covers ways to reduce your costs and find low-cost health care and prescription drugs. For those who have no health insurance or a high deductible, this can make a significant difference. It is definitely a keeper.


5 of 6 people found the following review helpful:

Invaluable help in navigating the health insurance maze, 2007-02-12
An excellent,indeed invaluable book with concrete, thorough information and advice on how to get good health insurance coverage, especially aimed at those not covered or unsatisfactorily covered by group health insurance plans. The author has done an immense service by writing this book. It is the best book I have found on this subject, by far!


17 of 23 people found the following review helpful:

Not so hot for those with chronic illness, 2006-09-22
I found the book mostly informative and was excited to get the chapter for those with chronic illness, until I read the first paragraph... in which the author basically says have a job with some big corporation is his best advice for health insurance with a chronic illness. I am a Type 1 diabetic, young and healthy other than that. As a nonprofit director and consultant I thought I would get some helpful advice... However, the constant jabs at those with chronic illness and unhealthy lifestyles being the cause of such high healthcare were a little unbearable. The author used the words drug addicted, unhealthy, and chronic illnesses such as diabetes in conjunction with each other constantly. As someone who is is diabetic by no "fault" of my own... Diagnosed at age 4, not because I was overweight or ate the wrong foods, I found this lumping together insensitive and offensive. This book is a great resource if you are healthy, well-educated, and have a lot of time to do your own research... It's good to get educated about how best to use the system as is, but does little to look at or address the inequities and injustice of our current healthcare system in the U.S. It's a mess that deserves our creative attention! In the meantime, I'll keep paying over $580 a month for my health insurance plan without much hope of relief for something more affordable...

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