Variations among state insurance laws can cause problems for families. If you do 【M1】______ 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 【M2】______ 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【M3】______ efforts to reopen it. That comes as a shock to many early retirers moving to Florida, 【M4】______ 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 【M5】______ company that offers individual policies in Florida, the Johnsons was worried. They 【M6】______ said that they were basically healthy for their age and that they took some medications 【M7】______ --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 【M8】______ make pretax contributions to a health saving account, up to their deductible. Any 【M9】______ 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. 【M10】______ 【M1】