填空题

Variations among state insurance laws can cause problems for families. If you do (1) ______
your 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 (2) ______
example, does 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 (3) ______
efforts to reopen it. That comes as a shock to many early retirers moving to Florida, (4) ______
said Wayne Sakamoto, a health insurance agent in Naples who is also 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 (6) ______
said that they were basically healthy for their age and that they took some medications (7) ______
--Mr. Johnson for high blood pressure and Mrs. Johnson for arrhythmia--that were
white flags for some insurers. But having a high-deductible policy allows them to (8) ______
make pretax contributions to a health saving account, up to their deductible. Any (9) ______
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) ______