Insurance CE Courses

Health Insurance Financial Planning: Introduction to Individual Policies and HSAs

An introduction on how to advise your clients to protect themselves against a financial disaster if they or a member of their family becomes ill, by helping them obtain permanent affordable Individual/Family Health Insurance.

Table of Contents  |  Description

Introduction to Employer Defined Contribution Health Plans (HRAs)

An introduction on how employers can now give each employee a fixed monthly tax-free allowance (i.e. Defined Contribution) to purchase their own health insurance, and you can then help each employee obtain their own individual or family policy.

Table of Contents  |  Description

Health Insurance Policies for Individuals and Families

Help Employees, Individuals, and Families obtain permanent, lifetime (until age 65) affordable health insurance—policies now available in all states on which premiums cannot be increased due to claims history.

Table of Contents  |  Description

HRAs, Defined Contribution, and Other New Employer Options for Health Benefits

Employers can now give each employee a fixed monthly tax-free allowance (i.e. Defined Contribution) to purchase their own health insurance, and you can then help each employee obtain their own individual or family policy.

Table of Contents  |  Description

Course 1 (4-6 Credit Hours)


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Health Insurance Financial Planning: Introduction to Individual Policies and Health Savings Accounts

by Professor Paul Zane Pilzer

Table of Contents

Chapter 1 Health Insurance: The Largest Gap in Financial Planning
1.1 What Would Happen If Your Client Became Ill and Could Not Work?
1.2 The Gaps in Coverage When Your Client Loses Their Job or Change Jobs
1.3 What Happens When Your Client Loses Their Health Insurance
1.4 How to Help Your Client Avoid Losing Their Health Insurance When They Lose Their Job
1.5 The Other Huge Gaps in Your Client’s Employer’s Health Insurance Plan
1.6 How Employer-Sponsored Health Insurance Works
1.7 How We Got into This Mess
1.8 The New Health Insurance Solution: How We Are Getting Out of This Mess
1.9 Three Trends behind the Changes
Chapter 2 Introduction to Individual Health Insurance
2.1 What Is Individual/Family Health Insurance?
2.2 Obtaining Individual/Family Health Insurance
2.3 Employer-Sponsored Health Insurance Could be Double or Triple the Price of Individual/Family Insurance
2.4 Why Your Client Has Not Heard of Individual/Family Health Insurance?
2.5 Individual/Family Health Insurance Policies in 2005–2006
Chapter 3 Medical Uninsurables & Preexisting Conditions
3.1 Finding a Job with Good Health Insurance Benefits
3.2 How to Assist Your Clients With Becoming a “Friend of the Governor”: State-Guaranteed Subsidized Insurance for Those Who Are Not HIPAA-Eligible
3.3 State-Guaranteed Health Insurance for HIPAA-Eligible Individuals
3.4 Medicaid and Other Income-Based Programs
3.5 Purchase a Medical Discount Card or Join a PPO
Chapter 4 Health Savings Accounts (HSAs) for Individuals
4.1 HSAs versus IRAs and 401(k)s
4.2 Why HSAs Are So Important
4.3 HSA-Qualified High-Deductible Health Insurance
4.4 Advising Your Client on Managing Their Health Savings Account
4.5 HSA-Qualified Medical Expenses
Appendix A State-by-State Guide to Individual/Family Health Insurance Costs
Appendix B How Americans Get Health Insurance Today…and What about the 45 Million Uninsured?