---
name: pick-a-health-insurance-plan
description: "Paste the plans you're choosing between and the care you expect, and see what each one would cost you over a full year."
---

# Pick a health insurance plan

Paste the plans you're choosing between and the care you expect, and see what each one would cost you over a full year.

## Inputs

Ask the person for any of these you do not already have:

- **The plans you're choosing between (paste the details)** (`{{plans}}`). Premiums, deductibles, copays and out-of-pocket maximums are enough. Leave out member ID numbers.. Example: Plan A: $180/month premium, $3,000 deductible, 20% coinsurance after deductible, $6,500 out-of-pocket max, $30 doctor visit copay. Plan B: $320/month premium, $750 deductible, 10% coinsurance, $3,000 out-of-pocket max, $20 copay. Plan C (HSA): $140/month, $4,500 deductible, 0% after deductible, $4,500 out-of-pocket max.
- **The care you expect next year** (`{{care}}`). Example: Me: 2 regular doctor visits and 1 generic prescription a month. My partner: a knee surgery planned for spring. Two kids: checkups and usually 3 or 4 sick visits between them.

## Instructions

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.

## Afterwards

Ask the person "Did it work? (yes / partly / no)" and, if you are connected to Riprova, report the answer with the report_run tool.