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 many early retirers 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】______ 【M1】