Proofread the given passage on ANSWER SHEET TWO as
instructed. For a wrong word, underline the wrong word
and write the correct one in the blank provided at the end of the
line. Fora missing word, mark the position of the missing
word with a " A " sign and write the word youbelieve to be missing in the blank
provided at the end of the line. For an unnecessary word,
cross the unnecessary word with a slash "—" and put the word in the blank
provided at the end of the line.
Variations among state insurance laws can cause problems for
families. If you do your (1) ______ 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
(2) ______ 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.
(3) ______ That comes as a shock to manyearly rearers moving to
Florida, said Wayne Sakamoto, a (4)
______ 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 (5) ______ policies in Florida,
the Johnsons was worried: They said that they were basically
(6) ______ healthy for their age and that they
took some medications—Mr. Johnson for high blood (7)
______ pressure and Mrs. Johnson for arrhythmia—that were white flags for
some insurers. (8) ______ 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 (9) ______ 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) ______