Variations among state insurance laws can cause problems for families. If you do your home- (1)_____
work 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 not have a guaranteed-issue (2)_____
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. That comes as a shock to many early (3)_____
retirers moving to Florida, said Wayne Sakamoto, a health insurance agent in Naples who is also (4)_____
president of the Florida Association of Health Underwriters. After being turned off by nearly every (5)_____
company that offers individual policies in Florida, the Johnsons was worried. They said that they (6)_____
were basically healthy for their age and that they took some medications—Mr. Johnson for high (7)_____
blood pressure and Mrs. Johnson for arrhythmia—that were white flags for some insurers. But (8)_____
having a high-deductible policy allows them to make pretax contributions to a health saving ac- (9)_____
count, up to their deductible. Any money they do not spend on health care can be 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. (10) _____