Paul Zane Pilzer

  

  




State-by-State Guide to       

Individual/Family Health Insurance

 
Maryland Insurance Administration
(410) 468-2000
www.mdinsurance.state.md.us/
Guaranteed Issue   
Community Rated   

MD



 

Average Cost for an Individual Policy Sold in 2004: $166/month*
(single, average age 32, healthy)
*From 82,000 policies sold nationally online in 2004, see first page of Appendix A.

Typical Healthy Individual/Family Coverage
 

Traditional Co-Pay
Policy*

HSA/High-Deductible
Policy*
  Single Family Single Family
Monthly Premium $134 $462 $66 $180
Annual Deductible $750 $1,500 $2,650 $5,250
Annual Out-of-Pocket Max $3,000 $6,000 $2,650 $5,250
Doctor Visit Co-Pay $35 $35 -- --
Prescription Co-Pay $20-50 + $250 brandname ded $20-50 + $250 brandname ded -- --
Lifetime Maximum $3 million $3 million pp $3 million $3 million pp
*Golden Rule Copay 35; single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from Annapolis, MD 21401; quoted 5.2.05.
Golden Rule Single/Family HSA Saver; single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from Annapolis, MD 21401; quoted 5.2.05.

State-Guaranteed Coverage for
People with Preexisting Conditions

Maryland Health Insurance Plan (MHIP)*
Monthly Premium Annual Deductible Annual OOP Max Doctor Visit Co-Pay Prescription Co-Pay Lifetime Maximum
$194 $1,000 $4,500 $20-20% $15-35 + $250 ded $2 million

*MHIP $1,000 PPO Plan; single applicant (M/35); quoted 5.9.05 from www.marylandhealthinsuranceplan.state.md.us.

Eligibility: (1) Maryland resident and (2) denied or offered restricted health coverage within past six months for health reasons, with qualifying medical condition, or at a premium higher than MHIP or (3) federally eligible.

HIPAA-eligible individuals: Applicants are guaranteed acceptance into MHIP with no exclusions for preexisting conditions.

Excerpted from The New Health Insurance Solution

 
 
  ADDITIONAL RESOURCES FOR THE NEW HEALTH INSURANCE SOLUTION
   



New Health Insurance Solutions for individuals, families, self-employeds, and businesses.

  



View the basic chapter table, expanded topical table, and pdf table of contents.

  



View the html or download a pdf version of the October 2005 press release.

    



Read excerpts on each topic discussed in The New Health Insurance Solution.



Read full reviews of The New Health Insurance Solution by Newsweek, The Wall Street Journal, Forbes, etc.



Read selected portion of reviews by Newsweek, CNN, The Wall Street Journal, Forbes, etc.
   



Read endorsements of The New Health Insurance Solution.

  



View other books written by New York Times best-selling author Paul Zane Pilzer.

  



View contact information including phone numbers and email addresses for book publicist, author, etc.