Pick a health insurance plan

Exact numbers

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Help me compare these health insurance plans on what each one would cost me in a year: {{plans}}
The care we expect: {{care}}
First, define each term in one plain sentence as you use it (premium, deductible, copay, coinsurance, out-of-pocket maximum), so I can follow the math. Then build a simple table with one row per plan and these columns: yearly premiums, expected out-of-pocket cost for the care I described, total expected cost, and the worst case (premiums plus the out-of-pocket maximum). Show your arithmetic under the table in short lines so I can check it. Then tell me, in two or three sentences, which plan is cheapest for the care I expect and which one protects me best if the year goes badly.
Rules: only use the numbers I gave you. If a number you need is missing (for example the cost of a surgery, or whether a copay counts toward the deductible), ask me for it or state the assumption you are making in plain words; never invent a price. This is not financial or medical advice: do not tell me which plan to buy, and remind me to check that my doctors and prescriptions are covered by each plan before I decide.

Blanks: {{plans}}, {{care}}

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Version history

• Version 1Sep 25, 2026First versioncurrent