Variations among state insurance laws can cause problems for families. If you do your home- 【M1】_____ work before moving to another state, you may find that your insurer has dropped you-or raised yourmonthly premiums on hundreds of dollars. Florida, for example, does not have a guaranteed-issue 【M2】_____ 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. That comes as a shock to many early 【M3】_____ retirers moving to Florida, said Wayne Sakamoto, a health insurance agent in Naples who is also 【M4】_____ 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 said that they 【M6】_____ were basically healthy for their age and that they took some medications—Mr. Johnson for high 【M7】_____ blood pressure and Mrs. Johnson for arrhythmia—that were white flags for some insurers. But 【M8】_____ having a high-deductible policy allows them to make pretax contributions to a health saving ac- 【M9】_____ count, up to their deductible. Any 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 beforethe 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】