2. 外语
  3. Variations among state insurance laws can cause problems for families. If you do your 【M1】______ homework before moving to anoth

Variations among state insurance laws can cause problems for families. If you do your 【M1】______ homework before moving to anoth

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问题   Variations among state insurance laws can cause problems for families. If you do your 【M1】______
homework 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 【M2】______
not have a guaranteed-issue 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.   【M3】______
That comes as a shock to manyearly rearers moving to Florida, said Wayne Sakamoto, a  【M4】______
health insurance agent in Naples who is also president of the Florida Association of
Health Underwriters. After being turned off by nearly every company that offers individual 【M5】______
policies in Florida, the Johnsons was worried: They said that they were basically 【M6】______
healthy for their age and that they took some medications—Mr. Johnson for high blood 【M7】______
pressure and Mrs. Johnson for arrhythmia—that were white flags for some insurers. 【M8】______
But having a high-deductible policy allows them to make pretax contributions to a health
saving account, up to their deductible. Any money they do not spend on health care can be 【M9】______
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.【M10】______
【M7】
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