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The End of Employer Provided Health Insurance

The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save on health insurance. This book is written to ensure that you, your family, and your company get your fair share of the trillions of dollars the U.S. government will spend subsidizing individual health insurance plans between now and 2025. You will learn how to navigate the Affordable Care Act to save money without sacrificing coverage, and how to choose the plan that offers exactly what you, your family and your company need.


Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. The purpose of The End of Employer-Provided Health Insurance is to show you how to profit from this paradigm shift while helping you, your family, and your employees get better and safer health insurance at lower cost. It will help you save thousands of dollars per person each year and protect you from the greatest threat to your financial future—our nation's broken employer-provided health insurance system.

We are at the beginning of a paradigm shift in the way businesses offer employee health benefits and the way Americans get health insurance—a shift from an employer-driven defined benefit model to an individual-driven defined contribution model. This parallels a similar shift in employer-provided retirement benefits that took place two to three decades ago from defined benefit to defined contribution retirement plans.

Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans. Using the techniques outlined in this book, you and your employer will save money on health insurance by migrating from employer-provided health insurance coverage to employer-funded individual plans at a total cost that is 20 percent to 60 percent lower for the same coverage. That's $4,000 to $12,000 in savings per year for a family of four for the same hospitals, same doctors, and same prescriptions.


"Employer-funded individual health insurance has emerged as the ideal solution for employee health benefits due to the Affordable Care Act."

—Scott Lingle, CSO of Health Insurance Innovations and former UnitedHealthcare executive, Indiana

"The savings for small employers makes the Zane Solution a no-brainer."

—Gary Adkins, Select Pointe LLC, Tennessee

"By reimbursing employees for their individual health insurance plans, employees pay less out of pocket for the same or better coverage. Many employees have their full premium covered."

—Tammy Deglow, Pawnee Buttes Seed, Colorado

"Our clients and their employees are saving 50 percent on health insurance costs with defined contribution and individual health plans."

—Jeff Lisota, Robertson Ryan & Associates, Wisconsin

"Thanks to new individual health insurance plans, we can offer health benefits to our employees for less than half the price of our old employer-provided group plan."

—David Svancara, Coin & Professional Equipment, Arizona