The Health Insurance Decision Workbook: Compare Real Costs, Verify Your Coverage, and Enroll With Confidence

Product Description

Open enrollment gives you a deadline and a stack of plan documents that were never designed to be compared. This is a workbook, not an explainer.Chapter by chapter, you'll pull your own claims history, decode your actual Summary of Benefits and Coverage documents, and build a real-cost comparison worksheet that runs your premium, deductible, and out-of-pocket maximum against three usage scenarios you calculate yourself — not a generic example.Inside, you will complete:A 12-month Usage Profile built from your own claims and pharmacy historyA Real-Cost Comparison Worksheet across low, expected, and high-usage scenariosA Break-Even Calculation showing whether the lower-premium plan is still safer in a bad yearAn HSA-vs-FSA Funding Plan sized to your own numbersA seven-category Network Verification Checklist and a Prescription Verification SheetA household worksheet for embedded family deductibles, if you're comparing family coverageA finished, personal Coverage Decision File you can reuse every yearFour illustrative households — including a single employee, a family managing a chronic condition, and a family with no chronic condition at all — show that the right plan is never the same answer twice. The worksheet decides, not a rule of thumb and not this book's opinion.This book is not for you if you're shopping only on the ACA marketplace with no employer plan involved, or if you want a quick glossary of insurance terms rather than a step-by-step calculation you complete yourself.If you're comparing employer-sponsored plans this enrollment season and want a documented, numbers-based reason for your choice — not a guess made under deadline pressure — this workbook walks you through it, one worksheet at a time.