新建康保险方案/THE NEW HEALTH INSURANCE SOLUTION 电子书 mobi pdf txt word 2024 下载

You no longer need a traditional employer plan to get good, affordable health insurance. The New Health Insurance Solution can help you cut your health insurance costs in half if:

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 pre*ion 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.

Executive Summary: New Health Insurance Solutions for Individuals， Families， Self-Employed， and Businesses

Preface

Acknowledgments

PART I: How to Better Protect Your Family While Saving $5，000+ Each Year: Savvy and Affordable New Health Insurance Strategies

Chapter.1 You Are One Serious Illness Away from Bankruptcy: The Huge Gaps in Your Employer's Health Insurance Plan

Chapter 2 Why Buying Your Own Health Insurance Is Better， Cheaper， and Safer Than Your Company Plan

Chapter 3 Your Legal Rights to Health Insurance When You Lose Your Job or Change Jobs: ERISA， COBRA， and HIPAA

Chapter 4 How to Buy Your Own Log-Cost， High-Quality Health Insurance Policy

Chapter 5 The Best Options for Employees with a Good Company Plan: High Deductibles， Disability， Cafeteria Plans， FSAs， and HRAs

Chapter 6 Health Savings Accounts: Why You Should Fully Fund Your HSA before Putting Even $1 in Your IRA or 401 (k) ...and How to Build a $500，000+ HSA Nest Egg

Chapter 7 What to Do if You or a Family Member Has a Major Health Problem

Chapter 8 How to Get Affordable Medical Care When You Are Over 55: Early Retirement， Medicare， and Long-Term Care

Chapter 9 How to Save 10 to 75 Percent on Your Prescription Drugs

Chapter 10 How to Be a Smart Healthcare Shopper， Stay Healthy， and Keep the Savings

PART II: How Businesses Can Fix their Health Insurance Nightmare an Still Hire great Employees

Chapter 11 How Employers Can Save 50 Percent by Giving Employees Tax-Free Dollars to Buy Their Own Health Insurance: Defined Contribution Health Benefits

Chapter 12 HSA Plans for Employers: Why Every Employer Should Encourage Tax-Free Employee Contributions to HSAs

Chapter 13 HRAs for Employers: How to Use HRAs to Save $2，000 to $6，000 per Employee Each Year While Getting Your Employees Better Health Insurance Epilogue: The Future of Affordable Health Insurance in America-Who Wins and Who Lo ses?

Appendix AState-by-State Guide to Individual/Family Health Insurance Costs

Appendix BHow Americans Get Health Insurance Today...and What about the 45 Million Uninsured?

Notes

Index

About the Author

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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书籍介绍

You no longer need a traditional employer plan to get good, affordable health insurance. The New Health Insurance Solution can help you cut your health insurance costs in half if: 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.

• 作者： 柏拉图斯特拉 发布时间：2021-04-08 10:24:16

  作为外行入门看看挺好的，里面的选文范围也比较广

• 作者： 绫小路义行 发布时间：2018-07-06 23:39:27

  这本重新回到了故事主线，发现美漫喜欢飚各种概念以及拷问人性……但在最终陪着世界一起毁灭的时候，却有个“坏人“担负起了“拯救”世界的重任。还真是美漫风格，虽然是漫画讨论的问题却一点都不含糊……好比守望者？

• 作者： 富娃宝贝07 发布时间：2014-11-16 10:36:48

  少有的写得好的婚后恋爱文

• 作者： momo 发布时间：2020-08-12 08:31:05

  暴露了( ´▽` )ﾉ

• 作者： 哀骀它 发布时间：2014-01-09 13:42:17

  本册原出版于雅典奥运会期间，2004年夏。移动电话译作手机了。名侦探图鉴：合田雄一郎，《玛库斯的山》。

• 作者： Hack_寒江秋渡 发布时间：2021-10-21 22:29:43

  太浅了说得 后面有几局还行 对竞赛远远不够

• 科技日语翻译入门书

  作者：遥远的绿粥 发布时间：2011-05-13 16:54:49

  书中介绍了一些翻译技巧，还比较实用，对于有一定日语水平但是以前没接触过翻译工作的日语学习者会比较有帮助，

  但也有写的不太讲究的地方，感觉一些指导性的建议，作为对于一般的评论散文什么的翻译的要求还可以，对于严谨性更高的科技翻译，如果完全照它说的来，实际操作中难免有问题

• 献给忧郁、孤寂、茫然之人的小说。

  作者：DD 发布时间：2022-01-02 19:53:18

  用了一天半的时间，读完了李渝这本短篇小说合集《九重葛与美少年》。

  气质独特，值得一读！

  这本集子读完，很难不给人留下一些感伤的关键词，病、忧郁、破碎、寻找、暧昧……

  小说里不乏忧郁破碎、精神世界虚妄仓皇的人物，但作者又手下留情，同时赋予他们坚韧和求生的欲望，而且乐于给人物制造出口和可以找寻、追逐的精神原乡。

  《待鹤》里饱受精神折磨的“我”有可以待鹤的金阁；《建筑师阿比》中被工作折磨的阿比有溪边岩穴可以施行自我疗愈的“典仪”；《海豚之歌》里需要一辈子服食镇定剂的演艺家有可以和海豚对话的水族馆，还有可以奔赴宁静的海洋;《三月萤火》中觉得在虚度时光又遭遇婚姻危机的文编“我”有远离喧嚣、荒蛮城市生活的山里……

  诚如首篇《待鹤》里所写：“……寻找镇神收心法式的归乡的历程，纵然性质、规模各有不同，于每一个实际的例子，是的，于每一个人，都是孤寂、荒瘠，又茫然的。”

  虽然这些人物生活的时代距今时间已久，但李渝所写的这种精神的虚妄和孤寂在当下似乎更凶猛，因此容易和人物共情。

  在李渝的笔下，主人公生活的环境无不是黑郁、荒蛮的都市丛林，但李渝也并不真的残酷、冷峻，她擅于制造“月光”、“星光”消解狰狞。

  那些频繁出现的动物、植物、传说，鹤、萤火虫、海豚、鱼儿、九重葛、合欢树、鸽子……都是带领人物找寻存粹、空灵的精神原乡的指引。

  李渝的语言有种“旧”式的美，从文中不断提及的中国典籍、画作、传说可见她深受传统文化的滋养。对环境的描摹也如水墨画一般，似乎是轻轻一笔荡起千层涟漪。但小说都采用了受限的视角，环境铺陈过多，加上过度的强调作者“我”的声音也不免令人有些不快。

  “动乱、战役、事件等，像标点符号一样把生活分划成章节段落……一切都是须臾的、虚无的，也是浓缩的、纯粹的、强烈的。”用这句话来总结这本集子再合适不过了。