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  3. Variations among state insurance laws can cause problems for families. If y

Variations among state insurance laws can cause problems for families. If y

游客2025-01-05  23
问题     Variations among state insurance laws can cause problems for families.
If you do your                                                                    【M1】______
homework before moving to another state, you may find that your insurer has dropped
you or raised your monthly premiums on hundreds of dollars. Florida,
for example, does                                                                 【M2】______
not have a guaranteed-issue law, and the state’ s program as the insurer of last resort has
not accepted new applicants in nearly 15 years
despite of legislative efforts to reopen it.                                      【M3】______
That comes as a shock to many early retirers moving to Florida,
said Wayne Sakamoto, a                                                            【M4】______
health insurance agent in Naples who is also president of the Florida Association of
Health Underwriters.
After being turned off by nearly every company that offers individual             【M5】______
policies in Florida, the Johnsons was worried. They said that they were basically 【M6】______
healthy for their age and that
they took some medications-- Mr. Johnson for high blood                           【M7】______
pressure and Mrs. Johnson for arrhythmia--that were white flags for some insurers.【M8】______
But having a high-deductible policy allows them to make pretax contributions to a health
saving account, up to their deductible.
Any money they do not spend on health care can be                                 【M9】______
rolled over to following years. As is the case with an individual retirement account, any
withdrawals made before the age of 65 would be taxed and hit with a 10 percent penalty.
After 65, there is no penalty,
but any withdrawals for medical expenses would be taxed.                          【M10】______ [br] 【M7】
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