As health insurance costs continue to rise by double digits, the increase in premiums is the highest for miniature businesses that offer group health insurance plans. According to the Commonwealth Fund, a Novel York-based health advocacy group, the health insurance costs for diminutive businesses are roughly 18% higher than those of mammoth business. This is leaving more and more businesses with a choice between two evils: pass on the rate hikes to their employees or do away with the assist altogether.

These 5 major tips will go along arrangement toward helping you place money on your health insurance costs.

Cutback on coverages
This is one of the fastest ways to nick down the cost. You can also offer supplemental insurance to hide any gaps in coverage on the main health policy. Accidental and sickness policies for instance, are relatively affordable and can be combined with a higher deductible health opinion.

Offer health savings record and high deductible plans
By combining Health savings accounts (HSAs) and a high-deductible health insurance plans, you will potentially lop your miniature business health insurance costs while giving your employees tax breaks. HSAs are tax-sheltered accounts that can be dilapidated toward paying medical expenses, including the insurance deductible. High-deductible health insurance plans have mauch lower premiums than managed care health plans. By combining these two plans, you will set money while retaining necessary coverage for your employees.

Join a group health insurance plan
When you prefer in bulk, the product’s costs comes down. Minute group health insurance conception veil 2-50 employees and the larger the group, the lower the premiums will be. If you are running a cramped firm with less than ten employees, you can partner with other businesses to enlarge your group health insurance understanding and lower your rates.

Create a health-conscious work ethic and environment
*Limit smoking at work and then work to gradually eliminate it through incentives and health programs.
*Offer healthy drinks at the vending machine.
*Offer incentives to employees to enroll in weight-loss programs.
*Provide workshops relating to safety both at work and at home.
*Institute a policy of zero-tolerance for any drug or alcohol abuse.
*Offer low-calorie food and drinks at company events – do away with the pizza and beer.

Make the most of all the available tax incentives
There are a number of tax benefits provided to microscopic business owners who offer health insurance to their employees. For example, you may be able to deduct the tubby amount of your group health insurance premiums, which may in turn nick your payroll tax.

By implementing these tips, you will go along device toward providing your employees with a quality group health insurance concept at a reasonable, cost effective rate to you and your business.

As health insurance costs continue to rise by double digits, the increase in premiums is the highest for tiny businesses that offer group health insurance plans. According to the Commonwealth Fund, a Modern York-based health advocacy group, the health insurance costs for cramped businesses are roughly 18% higher than those of mammoth business. This is leaving more and more businesses with a choice between two evils: pass on the rate hikes to their employees or do away with the befriend altogether.

These 5 major tips will go along contrivance toward helping you establish money on your health insurance costs.

Cutback on coverages
This is one of the fastest ways to cleave down the cost. You can also offer supplemental insurance to camouflage any gaps in coverage on the main health policy. Accidental and sickness policies for instance, are relatively affordable and can be combined with a higher deductible health notion.

Offer health savings story and high deductible plans
By combining Health savings accounts (HSAs) and a high-deductible health insurance plans, you will potentially slash your tiny business health insurance costs while giving your employees tax breaks. HSAs are tax-sheltered accounts that can be extinct toward paying medical expenses, including the insurance deductible. High-deductible health insurance plans have mauch lower premiums than managed care health plans. By combining these two plans, you will establish money while retaining essential coverage for your employees.

Join a group health insurance plan
When you buy in bulk, the product’s costs comes down. Runt group health insurance opinion hide 2-50 employees and the larger the group, the lower the premiums will be. If you are running a runt firm with less than ten employees, you can partner with other businesses to enlarge your group health insurance view and lower your rates.

Create a health-conscious work ethic and environment
*Limit smoking at work and then work to gradually eliminate it through incentives and health programs.
*Offer healthy drinks at the vending machine.
*Offer incentives to employees to enroll in weight-loss programs.
*Provide workshops relating to safety both at work and at home.
*Institute a policy of zero-tolerance for any drug or alcohol abuse.
*Offer low-calorie food and drinks at company events – do away with the pizza and beer.

Make the most of all the available tax incentives
There are a number of tax benefits provided to slight business owners who offer health insurance to their employees. For example, you may be able to deduct the paunchy amount of your group health insurance premiums, which may in turn sever your payroll tax.

By implementing these tips, you will go along design toward providing your employees with a quality group health insurance thought at a reasonable, cost effective rate to you and your business.

When it comes to health care coverage, we could all spend some schooling. Oftentimes there are a lot of people who don’t realize exactly what their needs are. Let’s face it, it’s hard to read the future. Our health care coverage can be too shrimp or too powerful for what we may need further down the road. How can you secure the best coverage for you and your family? What do you need to judge about when choosing the best concept to meet your family’s needs now and in the future? There are a lot of things to contemplate before you even launch looking for coverage.

According to the website www.usinsuranceonline.com there are as many as nineteen different types of health care plans. That makes for a lot of research that needs to be done on the buyer’s portion. A brief overview is done so that you can settle exactly what sort of coverage you might need. Aside from the task of finding the best policy for you and your family, there are things that only you will know that will succor you in finding the moral coverage.

Peer at your family. Not unbiased the ones that live with you. I’m talking about your family history. When it comes to preventive care you should know and be able to fragment with your health care provider what kinds of illnesses possibly rush in your family. Vivid what to retain an scrutinize out for will also wait on when it comes to securing coverage. If you know the facts relating to your history, then that will have a bearing on what sort of coverage you will need, and can salvage.

When looking for a family health insurance idea, there are a lot of factors that will depend on what sort of coverage you can procure. For instance, if there is a smoker in the house, you might have to pay extra on your premiums, or not even be able to salvage coverage in the first residence. All factors should be looked at. Where you live, pre-existing medical conditions, and family history of illness all near into play when looking to obtain the best policy for you or your family’s needs.

You should also understand what will be required of you once you apply for coverage. It is possible that the insurance company will want each member of your family to visit with a physician for a medical check-up. There will also be a lot of questions regarding your family medical history. Know what you need before you designate on the dotted line.

But what about the insurance company? What is required of them? Know that in order to acknowledge this seek information from effectively, which cannot be done here, you will have to do a lot of research. There are hundreds of health insurance companies out there. From the smallest to largest, each carrier is different in what types of coverage they can offer. These companies are regulated not only on nationally, but by the different space as well. There are some companies that might not even be able to provide coverage for you depending on where you live.

At the core, when it comes down to considering what sort of health care coverage you need, the types that you may or may not require, will depend on several factors. Assume about it. With at least nineteen different types of plans, hundreds of companies, age restrictions, pre-existing medical conditions, the plot where you live, even what kind of work you do; all will depend on what sort of coverage is available to you and your family. Don’t try and play the odds; they are not true factors.

Health insurance coverage needs to be taken seriously. From the youngest member of your family to the oldest, everyone will have different requirements when it comes to obedient health coverage. The only procedure to derive out what kind of coverage you need, and how powerful you’ll have to pay to glean that coverage, will be for you to do some hard, thorough, research.

When it comes to health care coverage, we could all exhaust some schooling. Oftentimes there are a lot of people who don’t realize exactly what their needs are. Let’s face it, it’s hard to read the future. Our health care coverage can be too small or too powerful for what we may need further down the road. How can you regain the best coverage for you and your family? What do you need to deem about when choosing the best notion to meet your family’s needs now and in the future? There are a lot of things to deem before you even begin looking for coverage.

According to the website www.usinsuranceonline.com there are as many as nineteen different types of health care plans. That makes for a lot of research that needs to be done on the buyer’s fragment. A brief overview is done so that you can resolve exactly what sort of coverage you might need. Aside from the task of finding the best policy for you and your family, there are things that only you will know that will encourage you in finding the correct coverage.

Eye at your family. Not objective the ones that live with you. I’m talking about your family history. When it comes to preventive care you should know and be able to piece with your health care provider what kinds of illnesses possibly hurry in your family. Radiant what to maintain an discover out for will also aid when it comes to securing coverage. If you know the facts relating to your history, then that will have a bearing on what sort of coverage you will need, and can accept.

When looking for a family health insurance notion, there are a lot of factors that will depend on what sort of coverage you can obtain. For instance, if there is a smoker in the house, you might have to pay extra on your premiums, or not even be able to earn coverage in the first space. All factors should be looked at. Where you live, pre-existing medical conditions, and family history of illness all advance into play when looking to gather the best policy for you or your family’s needs.

You should also understand what will be required of you once you apply for coverage. It is possible that the insurance company will want each member of your family to visit with a physician for a medical check-up. There will also be a lot of questions regarding your family medical history. Know what you need before you note on the dotted line.

But what about the insurance company? What is required of them? Know that in order to retort this quiz effectively, which cannot be done here, you will have to do a lot of research. There are hundreds of health insurance companies out there. From the smallest to largest, each carrier is different in what types of coverage they can offer. These companies are regulated not only on nationally, but by the different position as well. There are some companies that might not even be able to provide coverage for you depending on where you live.

At the core, when it comes down to considering what sort of health care coverage you need, the types that you may or may not require, will depend on several factors. Mediate about it. With at least nineteen different types of plans, hundreds of companies, age restrictions, pre-existing medical conditions, the place where you live, even what kind of work you do; all will depend on what sort of coverage is available to you and your family. Don’t try and play the odds; they are not true factors.

Health insurance coverage needs to be taken seriously. From the youngest member of your family to the oldest, everyone will have different requirements when it comes to noble health coverage. The only scheme to glean out what kind of coverage you need, and how distinguished you’ll have to pay to regain that coverage, will be for you to do some hard, thorough, research.

With the soaring costs of Health insurance, the financial toll on your limited business may force you to pass on more of the costs to your employees, or to cessation offering health benefits altogether. Before you develop your decision, think these five notable reasons why offering your employees Group Health Insurance may be money well-spent:

To attract and hold the best employees in a competitive job market
Survey after eye has shown that after monetary compensation, employees value health insurance benefits over any other aspect of their job. Group health insurance benefits may well be the deciding factor for a prospective employee who may be choosing between your job offer and a similar one offering the same pay. A competitive health benefits package is also very likely to serve you keep your best workers.

To gather affordable health insurance coverage for yourself
If you have or are shopping for insurance for yourself and your family, you will accumulate that an individual health insurance concept is likely more expensive than a group health opinion. The more employees you have, the lower the rates you can bag.

To acquire advantage of available tax incentives for your business
There are a number of well-known tax incentives offered to businesses that offer employees health insurance benefits. As a business owner, you can usually deduct 100% of your group health insurance premiums on qualifying plans. If your group idea is offered as a total compensation package, you may also cleave your payroll taxes.

To offer your employees tax deductions
Your employees, in their turn, will reap tax advantages by paying for their health insurance using pre-tax dollars �€” their insurance premiums are taken from their pay check before their taxes. If they bought their absorb individual health insurance, they would have to pay for it with after-tax dollars. It may also potentially lower their tax bracket. Secondly, if you offer a Health Savings Opinion, not only will your employees assist from lower premiums, but any earnings made on the Health Savings Legend will also pick up tax free.

To increase productivity and lower absenteeism
Research has shown that people who have health insurance are far more likely to acquire preventative health care measures than those without insurance. This makes them less likely to drop ill or to let an illness or injury progress to an advanced stage before getting medical attention.
What’s more, health insurance benefits have been shown to lower the incidents of absenteeism – cheerful healthy employees are more likely to demonstrate up for work, and to be more productive on the job.

Conclusion
Despite its rising costs, there are many reasons why group health insurance is sterling for your business and employees. For ways to establish on your Shrimp Business Group Health Insurance, purchase a inspect at this article: Top 5 Tips For Saving Money on Exiguous Business Group Health Insurance.

With the soaring costs of Health insurance, the financial toll on your puny business may force you to pass on more of the costs to your employees, or to cessation offering health benefits altogether. Before you acquire your decision, assume these five essential reasons why offering your employees Group Health Insurance may be money well-spent:

To attract and support the best employees in a competitive job market
Survey after peer has shown that after monetary compensation, employees value health insurance benefits over any other aspect of their job. Group health insurance benefits may well be the deciding factor for a prospective employee who may be choosing between your job offer and a similar one offering the same pay. A competitive health benefits package is also very likely to wait on you preserve your best workers.

To acquire affordable health insurance coverage for yourself
If you have or are shopping for insurance for yourself and your family, you will earn that an individual health insurance belief is likely more expensive than a group health idea. The more employees you have, the lower the rates you can come by.

To capture advantage of available tax incentives for your business
There are a number of principal tax incentives offered to businesses that offer employees health insurance benefits. As a business owner, you can usually deduct 100% of your group health insurance premiums on qualifying plans. If your group belief is offered as a total compensation package, you may also slice your payroll taxes.

To offer your employees tax deductions
Your employees, in their turn, will reap tax advantages by paying for their health insurance using pre-tax dollars �€” their insurance premiums are taken from their pay check before their taxes. If they bought their fill individual health insurance, they would have to pay for it with after-tax dollars. It may also potentially lower their tax bracket. Secondly, if you offer a Health Savings Belief, not only will your employees back from lower premiums, but any earnings made on the Health Savings Record will also salvage tax free.

To increase productivity and lower absenteeism
Research has shown that people who have health insurance are far more likely to win preventative health care measures than those without insurance. This makes them less likely to tumble ill or to let an illness or injury progress to an advanced stage before getting medical attention.
What’s more, health insurance benefits have been shown to lower the incidents of absenteeism – pleased healthy employees are more likely to note up for work, and to be more productive on the job.

Conclusion
Despite its rising costs, there are many reasons why group health insurance is pleasant for your business and employees. For ways to set on your Exiguous Business Group Health Insurance, rob a peep at this article: Top 5 Tips For Saving Money on Itsy-bitsy Business Group Health Insurance.

Yes Affordable Health Insurance in Michigan is available!!!

Health Insurance…do you have it? Health Insurance is one of those types of insurance that everyone needs, but many people go without. Nobody wants to pay for it. Employers don’t want to add the expense to their business and individuals don’t realize that they can salvage affordable individual health insurance in Michigan. Traditionally employers provided health insurance benefits for their employees. With the modern trends of exorbitant premium increases many employers are reducing their benefits or simply not offering health insurance anymore.

People don’t have health insurance for many reasons:

1.Their employers don’t offer it.

2.Cramped business owners don’t have enough employees to qualify for a group.

3.Self employed people don’t assume they can afford it.

4.People unbiased don’t know where to survey or they contemplate that individual health insurance is not affordable.

Now I am here to give you an education on how to lower your health insurance premiums without giving up the benefits we consume everyday.

First, when you are searching for health insurance, derive an insurance broker. A broker is someone who represents many different insurance companies. They have the ability to search the prices of many companies they portray. A captive agent can only sell for one company…the company he/she works for. Another generous tip is to regain an insurance agent that is local. There are a lot of companies out there that sell health insurance over the phone. Having a local agent that you have seen in person can place you future headaches when it comes to servicing your policy. Your agent is the gatekeeper to the insurance companies. Employ them. Any insurance broker that won’t encourage you after the sale shouldn’t be your agent.

There are ways to decrease your health insurance premiums by increasing your deductible, having a co-insurance. Now wait a small, before you say “What is the point of having insurance if I can’t exercise it before I pay a high deductible? “

There are health insurance companies out there that offer really tall plans with high deductibles and detached offer first dollar coverage for the things we expend the most. You can serene net office visit co-pays, suitable prescription plans, yearly physicals, preventative care, and accident benefits. These types of benefits prevent you from having to satisfy your yearly deductible and saving that deductible expense for major healthcare expenses. For example, cancer, heart attacks, strokes.

(You can also increase your coverage by purchasing supplemental plans for these major health conditions. But that is another topic.)

Now the ample ask…Where can I earn affordable health insurance in Michigan. I recommend using a service called Quotes Auction. They abet you regain health insurance by matching you up with someone who specializes in finding Affordable Health Insurance in Michigan. Withhold in mind that when you utilize any quoting service that you will net phone calls from insurance agents and brokers. Now remember what I said earlier in this article, regain yourself an insurance broker. All you have to do is ask if they report many different companies or unbiased one.

Yes Affordable Health Insurance in Michigan is available!!!

Health Insurance…do you have it? Health Insurance is one of those types of insurance that everyone needs, but many people go without. Nobody wants to pay for it. Employers don’t want to add the expense to their business and individuals don’t realize that they can derive affordable individual health insurance in Michigan. Traditionally employers provided health insurance benefits for their employees. With the original trends of exorbitant premium increases many employers are reducing their benefits or simply not offering health insurance anymore.

People don’t have health insurance for many reasons:

1.Their employers don’t offer it.

2.Itsy-bitsy business owners don’t have enough employees to qualify for a group.

3.Self employed people don’t reflect they can afford it.

4.People objective don’t know where to glance or they judge that individual health insurance is not affordable.

Now I am here to give you an education on how to lower your health insurance premiums without giving up the benefits we spend everyday.

First, when you are searching for health insurance, gain an insurance broker. A broker is someone who represents many different insurance companies. They have the ability to search the prices of many companies they recount. A captive agent can only sell for one company…the company he/she works for. Another obedient tip is to salvage an insurance agent that is local. There are a lot of companies out there that sell health insurance over the phone. Having a local agent that you have seen in person can keep you future headaches when it comes to servicing your policy. Your agent is the gatekeeper to the insurance companies. Employ them. Any insurance broker that won’t befriend you after the sale shouldn’t be your agent.

There are ways to decrease your health insurance premiums by increasing your deductible, having a co-insurance. Now wait a shrimp, before you say “What is the point of having insurance if I can’t utilize it before I pay a high deductible? “

There are health insurance companies out there that offer really colossal plans with high deductibles and serene offer first dollar coverage for the things we exercise the most. You can quiet come by office visit co-pays, gracious prescription plans, yearly physicals, preventative care, and accident benefits. These types of benefits prevent you from having to satisfy your yearly deductible and saving that deductible expense for major healthcare expenses. For example, cancer, heart attacks, strokes.

(You can also increase your coverage by purchasing supplemental plans for these major health conditions. But that is another topic.)

Now the titanic inquire…Where can I accept affordable health insurance in Michigan. I recommend using a service called Quotes Auction. They aid you earn health insurance by matching you up with someone who specializes in finding Affordable Health Insurance in Michigan. Hold in mind that when you expend any quoting service that you will procure phone calls from insurance agents and brokers. Now remember what I said earlier in this article, gather yourself an insurance broker. All you have to do is ask if they characterize many different companies or impartial one.

McCain’s health care understanding would eliminate the tax deduction for health care plans, and replace it with a “refundable” tax credit for everyone.

Here’s what it means:

Upright now, group health insurance benefits are exempted from tax, which means you don’t pay taxes on the value of the health insurance opinion you receive from your employer (assuming you are among the fewer and fewer citizens who level-headed receive health insurance benefits from your employer).

Under McCain’s concept, that exemption would recede. You would be taxed on the value of your health insurance benefits.

In return, he would offer you a tax credit at a fixed, universal value. It would be the same for everyone. And everyone — the theory goes — could go out shopping to hold their beget health insurance on the begin market. In theory, as “consumers” hit the “market” for insurance, competing companies would lower prices, improve their coverage, and give better service and benefits overall.

Sounds proper.

It would be, if insurance and health services worked in the same plot the market for cars works.

A group of four well-respected scholars have concluded in a fresh white paper that McCain’s predicament would result in less and worse health insurance coverage. Here’s why:

First, insurance companies who sell group plans cannot exclude individuals from the group plans. When a company hires someone with diabetes, and that person comes under the company’s purchased health insurance understanding, the insurance company can’t legally exclude the current employee with diabetes. As anyone knows who has tried to choose health insurance individually, insurance companies can and do exclude individuals who have chronic health problems.

That defeats the purpose of health insurance — unless you beget that the purpose of health insurance is to accomplish money for insurance companies.

A second scrape is that McCain’s proposed tax credit is structured to support up with the rising costs of health insurance. Free market proponents may argue that health insurance, and necessarily health care costs themselves, would decrease rather than increase under a McCain belief. Supply and interrogate, they would argue. Competition in the marketplace. But they would bag no serious policy experts to agree with them.

To the contrary, policy experts tend to agree that a typical “consumer” arrive to health care and health care insurance does not work on a supply-demand principle. Favorite sense backs them up. The diabetes patient who is denied coverage, or who is offered coverage at an unaffordable brand, can drawl you that no matter how distinguished “ask” she may feel for the medical treatment valuable to support her healthy, she cannot win a realistic “supply.”

The white paper abstract sums it up in this way:

Moving toward a relativelyunregulated nongroup market will tend to raise costs, reducethe generosity of benefits, and leave people with fewer consumerprotections. [Health Affairs 27, no. 6 (2008): w472-w481 (publishedonline 16 September 2008; 10.1377/ hlthaff.27.6.w472)]

The authors of that represent are not political hacks. And they have criticized the Obama health care conception as well. So you’ll have some context in which to consider the foregoing quotation, I’ll paste in here the names and credentials of the four scholars who authored the study:

¹ Tom Buchmueller is the Waldo O. Hildebrand Professor of Risk Management and Insurance in the Ross School of Business, University of Michigan, in Ann Arbor.
² Sherry Glied is a professor and chair of the Department of Health Policy and Management, Mailman School of Public Health, Columbia University, in Current York City.
³ Anne Royalty is an associate professor of economics, Indiana University–Purdue University at Indianapolis (IUPUI).
⁴ Katherine Swartz is a professor of health economics and policy in the Department of Health Policy and Management, Harvard School of Public Health, in Boston, Massachusetts.

Corporate employees and others who may mild delight in group-based health insurance plans stand to lose the most. They’ll lose the tax exemption for those plans. Instead they’ll be given a tax credit and an intimidating homework assignment: go out and regain yourself a worthy deal on health insurance. By yourself.

McCain’s health care concept would eliminate the tax deduction for health care plans, and replace it with a “refundable” tax credit for everyone.

Here’s what it means:

Lawful now, group health insurance benefits are exempted from tax, which means you don’t pay taxes on the value of the health insurance view you receive from your employer (assuming you are among the fewer and fewer citizens who collected receive health insurance benefits from your employer).

Under McCain’s belief, that exemption would proceed. You would be taxed on the value of your health insurance benefits.

In return, he would offer you a tax credit at a fixed, universal value. It would be the same for everyone. And everyone — the theory goes — could go out shopping to engage their possess health insurance on the originate market. In theory, as “consumers” hit the “market” for insurance, competing companies would lower prices, improve their coverage, and give better service and benefits overall.

Sounds beneficial.

It would be, if insurance and health services worked in the same design the market for cars works.

A group of four well-respected scholars have concluded in a original white paper that McCain’s quandary would result in less and worse health insurance coverage. Here’s why:

First, insurance companies who sell group plans cannot exclude individuals from the group plans. When a company hires someone with diabetes, and that person comes under the company’s purchased health insurance idea, the insurance company can’t legally exclude the unique employee with diabetes. As anyone knows who has tried to grasp health insurance individually, insurance companies can and do exclude individuals who have chronic health problems.

That defeats the purpose of health insurance — unless you hold that the purpose of health insurance is to get money for insurance companies.

A second plight is that McCain’s proposed tax credit is structured to maintain up with the rising costs of health insurance. Free market proponents may argue that health insurance, and necessarily health care costs themselves, would decrease rather than increase under a McCain conception. Supply and seek information from, they would argue. Competition in the marketplace. But they would acquire no serious policy experts to agree with them.

To the contrary, policy experts tend to agree that a typical “consumer” advance to health care and health care insurance does not work on a supply-demand principle. Current sense backs them up. The diabetes patient who is denied coverage, or who is offered coverage at an unaffordable heed, can declare you that no matter how great “question” she may feel for the medical treatment famous to maintain her healthy, she cannot procure a realistic “supply.”

The white paper abstract sums it up in this way:

Moving toward a relativelyunregulated nongroup market will tend to raise costs, reducethe generosity of benefits, and leave people with fewer consumerprotections. [Health Affairs 27, no. 6 (2008): w472-w481 (publishedonline 16 September 2008; 10.1377/ hlthaff.27.6.w472)]

The authors of that record are not political hacks. And they have criticized the Obama health care conception as well. So you’ll have some context in which to reflect the foregoing quotation, I’ll paste in here the names and credentials of the four scholars who authored the study:

¹ Tom Buchmueller is the Waldo O. Hildebrand Professor of Risk Management and Insurance in the Ross School of Business, University of Michigan, in Ann Arbor.
² Sherry Glied is a professor and chair of the Department of Health Policy and Management, Mailman School of Public Health, Columbia University, in Novel York City.
³ Anne Royalty is an associate professor of economics, Indiana University–Purdue University at Indianapolis (IUPUI).
⁴ Katherine Swartz is a professor of health economics and policy in the Department of Health Policy and Management, Harvard School of Public Health, in Boston, Massachusetts.

Corporate employees and others who may aloof appreciate group-based health insurance plans stand to lose the most. They’ll lose the tax exemption for those plans. Instead they’ll be given a tax credit and an intimidating homework assignment: go out and score yourself a capable deal on health insurance. By yourself.