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"'It's a very simple model going back to individual health insurance, something that fits small businesses better than group insurance,' says Mr. Quinn [of Sam's Club]. 'Members don't believe it. It's too good to be true.'" "In his latest book, “The New Health
Insurance Solution,” published in September by John Wiley & Sons, Pilzer
argues (not surprisingly) that most Americans—at least, those without
pre-existing conditions—can save money by choosing individual policies
over those offered by their employers."
 , Newsweek,
October 4, 2005
"Individual insurance is by and large the
way to go for most people, but most people are clueless about how to buy
individual insurance, The big change is that this year a company can give
you an allowance and say 'Go buy your own [individual insurance], tax-free,
and I'll reimburse you for it.'" "PBS Television Show - Paul Zane Pilzer speaks on HRAs, Individual Health Policies, and Defined
Contribution Health Benefits."
 PBS WealthTrack Television Show, November 24, 2006 and June 1, 2007 "The real question for those
considering an HSA is: 'Do I want a high-deductible health insurance plan?'
says Paul Zane Pilzer, co-founder of Extend Benefits, a health-care services
provider in Salt Lake City." "Through HRAs, you can
offer 'defined contribution healthcare,' giving your
"Some
employers, for example, are charging extra to cover employees' family
members. People in this type of situation might find they could fare better
with a high-deductible plan purchased on the individual market." "Most people don’t understand Cobra. For example, when
you’re fired or quit, you’re entitled under federal law to the equivalent of
three-and-a-half months of free Cobra. But your employer doesn’t tell you
about this." "Well, ladies and gentlemen, the book is called The New
Health Insurance Solution, Paul Zane Pilzer. It’s widely quoted these days;
Forbes was talking about it just the other day. And I think this is
something that you need to get. It’s a real service to the country. And
ladies and gentlemen, one more time, The New Health Insurance Solution.
You ought to take advantage of it."
"The solution for healthy self-employed individuals is simple, according to
author Paul Zane Pilzer. These folks should buy a high-deductible individual
or family policy that is qualified to be paired with a health savings
account, he says." "Choose this [COBRA]
only as a very last resort," says Paul Zane Pilzer, author of The New Health
Insurance Solution (John Wiley & Sons, 2005). "It is expensive and it is
temporary. If you develop a health condition while on it, you could be
prevented from getting permanent affordable health insurance." "Most people
considering early retirement should stop participating in their group health
insurance plan, if they have one, when they are healthy," says
Pilzer. "Instead, buy your own policy. Your employer might chip in toward
the cost (some employers give cash rewards to employees who opt out of the
company plan after showing evidence of alternative coverage)." "The underlying problem is that the healthcare industry is
indifferent to the economic and entrepreneurial incentives that make
America great. We have a $10 trillion US economy based on free
enterprise, and we have a $2 trillion Byzantine economy called the
healthcare industry. It operates virtually outside of the US economy
with its own rules."
"Healthcare
costs currently exceed profits for the Fortune 500. Why be in
business? If healthcare costs go up 15% a year, even if a CEO can
improve company profits 12% a year, it’s not enough." "He [Pilzer] co-founded
Salt Lake City's Extend Benefits LLC, which works with clients like
Continental Airlines and AutoNation to provide individual insurance plans
for their workers. In mid-October, former America Online chief Steve Case's
venture, Revolution Health Group, bought two-thirds of Extend."
”Paul Zane Pilzer, author of
The New Health
Insurance Solution: How to Get Cheaper,
Better
Coverage Without a Traditional Employee Plan
(Wiley 2005), says individual policies that you purchase yourself
can be half the price or less for the same coverage you’d have with
an employer’s plan if you are healthy. Individual insurance has its
bonuses, says Pilzer, mainly that it stays with you no matter what
job you have.” "Paul Zane Pilzer offers living proof that even
economists can have trouble finding good health insurance. He's since
authored the book...And now, he's among those championing a Congressional
bill, the Health Care Choice Act, which would allow individual health
insurance to be sold across state lines." "Workers
with serious illnesses will pay more than their colleagues, but business
owners no longer have to worry that switching to individual plans will leave
some employees uninsured. 'Small firms can often work out an arrangement to
give these [less healthy] workers a little extra and still do very well,'
says economist Paul Z. Pilzer, author of The New Health Insurance
Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer
Plan."
"Paul Zane
Pilzer, an economist and author of
The New Health Insurance Solution,
argues that with savings like that, employers should move toward canceling
their group policies and encourage all of their employees to purchase their
insurance individually."
"For Paul
Pilzer, an economist based in Salt Lake City who advised both President
Reagan and the first President Bush, and author of ''The New Health
Insurance Solution: How to Get Cheaper, Better Coverage Without a
Traditional Employer Plan" (John Wiley & Sons), reducing the ranks of the
uninsured requires putting a lid on healthcare spending-now nearly $2
trillion a year. 'Let consumers spend their own money, and we will eliminate
a lot of waste,' notes Pilzer, who argues that patients often opt for
unnecessary drugs or medical test s simply because their health plans foot
the bulk of the bill."
"The
New Health Insurance Solution
explains in layman's terms how readers can save money, and teaches
them the most important aspects of the economics of health
insurance."
"Surprise!
You can find affordable health insurance on
your own. Compared with employer-sponsored coverage, 'individual
policies that you purchase yourself are half the price or less for
the same coverage--if you're healthy,' says Paul Zane Pilzer."
"If your
family is healthy and you live in a state with a competitive
health-insurance market, you may be able to buy a family policy that
costs 25% to 50% less than employer-sponsored coverage, says author
Pilzer."
"In a defined contribution plan, you provide your employees with a
tax-free allowance (contribution) to spend on their own
healthcare--at an annual fixed cost that you
control. Employees use this allowance to pay for the premium on an
individual/family health insurance policy."
"Economist Paul
Zane Pilzer, whose latest book,
The New Health
Insurance Solution (Wiley, 2005),
is on health savings accounts, says shopping intelligently for
prescription drugs involves more than comparing the costs and
benefits of particular pills. Consumers must also step back and
reflect on why they are taking a given drug and what nondrug
alternatives might be available, he says."
"The New
Health Insurance Solution is a handbook and guide designed to help a reader
get the best possible insurance plan. In a book loaded with helpful
information and advice, Pilzer shows readers the ins and outs of how to find
the right plan, without falling into the pit of spending too much money and
not getting enough coverage."
"Author,
economist Paul Zane Pilzer, suggests that instead of employers providing
traditional group health insurance benefits, they should scrap them. In
their place he suggests that employers contribute to defined contribution
plans for the employees, who would use the money to get insurance at lower
cost through individual plans."
"There is
a major earthquake coming," says Paul Zane Pilzer. "The individual insurance
market showed up overnight. If you explain the cost savings to small
employers, they immediately stampede for them. This can be the ultimate
defined contribution health care rather than defined benefit."
"Pilzer promises that health
care can be comprehensive and affordable for those who understand the
system."
"Many people who have health insurance on the
job blindly pay every week for coverage that would actually cost them
less--sometimes much less--if they went out on their own and bought
individual policies," says economist Paul Zane Pilzer.
"One of the most
common myths is that individual plans are twice the price of
employer-sponsored plans. In fact, individual plans for healthy families are
typically half the price of employer-sponsored plans. Most employers don’t
want you to know this because if your spouse is healthy the employer would
not collect the premium."
"The New Health Insurance Solution is the
definitive guide to the new ways every American can now get affordable
health care—without an employer."; |
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