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) ______