Health Insurance Investigation
Predict, calculate, compare, and explain. Complete each section to unlock the next. Predictions are not graded for accuracy. Use your results to explain your thinking.
Use fictional information only. All responses must be typed. Download the completed PDF for Canvas.
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Quick definitions and model rules
Deductible: what you pay toward eligible services before cost sharing. Coinsurance: your percentage after the deductible. Copay: fixed visit payment. Premium: payment for coverage, even without care. Out-of-pocket maximum: limit on eligible covered-care spending, excluding premiums.
For the annual cases, office-visit copays apply before the deductible and do not reduce it. They count toward the maximum. Other expenses use deductible then coinsurance. Visits are processed first. Both plans cover the same care at the same allowed amounts. Figures are fictional teaching examples for 2027, not prices or personal advice. Certain preventive services may have no cost sharing.
Sources: HealthCare.gov deductible, coinsurance, out-of-pocket maximum.