by Russell Wild, M.B.A.
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Health insurance shoppers' guide - Where can you turn for cheaper, better coverage?

"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," author of The New Health Insurance Solution (Wiley, 2005).

As a good rule of thumb, says Pilzer, the higher your deductible the less you'll spend overall on health insurance.  Keep this in mind if you decide to go with a PPO. "It makes perfect sense," says Pilzer. "Insurance companies hate paperwork almost as much as you do."

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

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