# Compare health insurance plans during open enrollment

A side-by-side comparison of health plan options estimating your yearly cost based on how you actually use care.

- Topic: Personal Life & Wellbeing
- Framework: RTF
- Level: Standard
- Tags: Health & Wellness, Analyze, Plan, Fill-in Template
- Source: https://www.thinkwithprompt.com/prompts/compare-health-insurance-plans-during-open-enrollment

## Prompt

```text
Help me compare health insurance plans and choose the one that fits my situation.

**Who needs coverage:** [me / me and partner / family - ages]
**Plans I'm choosing between:** [for each: monthly premium, deductible, out-of-pocket maximum, copays and coinsurance, network type, any savings account it pairs with - paste from the plan summaries]
**Expected care next year:** [regular doctor visits, specialists, ongoing prescriptions, planned surgery or pregnancy, therapy, children's checkups]
**Doctors, hospitals, and medications I want to keep:** [LIST]
**Budget:** [monthly amount I can handle, and how big a surprise bill I could cover]

Give me:
1. A comparison table: Plan | Yearly premiums | Deductible | Out-of-pocket max | Network | Notes.
2. An estimated total yearly cost for each plan in three scenarios: a light year, my expected year, and a worst-case year (premiums plus out-of-pocket costs). Show the math and use only the numbers I provided; mark missing details [CHECK PLAN DOCUMENT].
3. A checklist to confirm before choosing: my doctors are in-network, my medications are on the formulary and which tier, referral requirements.
4. Plain-language definitions of deductible, copay, coinsurance, and out-of-pocket maximum.
5. My best fit based on my inputs, and what would change the answer.

This is general information; confirm details with the plan or a benefits advisor, and the enrollment deadline [CONFIRM DATE].
```

## What to fill in

- me / me and partner / family - ages
- LIST
- CHECK PLAN DOCUMENT
- CONFIRM DATE

Free to copy and use. From ThinkWithPrompt (https://www.thinkwithprompt.com/), a library of 2,663 curated AI prompts.