Question

Choose the best health insurance plan for each individual.

a) An individual who has minimal healthcare expenses, is not worried about medical emergencies, and does not want to spend much most likely would purchase .
b) An individual who is not concerned about cost and would prefer to pick his providers within a network most likely would purchase .
c) An individual who is between jobs might benefit from purchasing .
d) An individual who requires a large amount of medication not covered by her insurance plan may benefit from purchasing .
e) An individual who is looking for an affordable insurance plan and does not require anything beyond basic medical procedures may benefit from purchasing .

Answer 1

Health insurance plans should be selected based on individual needs. High-deductible health plans are suitable for those with minimal healthcare expenses, PPOs for those who value provider choice, short-term insurance or COBRA for those between jobs, and ACA marketplace plans or catastrophic plans for those needing basic care or seeking affordability.

Step-by-step explanation:

Choosing the right health insurance plan is critical and depends on individual needs and circumstances:

1. a) Minimal healthcare expenses: An individual with minimal healthcare needs and a desire to keep costs low might choose a high-deductible health plan (HDHP), which typically has lower premiums but higher deductibles, assuming they're willing to risk paying more out of pocket in the event of an emergency.
2. b) Pick providers within a network: An individual who wants the freedom to pick providers within a network and is not concerned about the cost would likely benefit from a Preferred Provider Organization (PPO) plan, which offers flexibility in choosing doctors and specialists within the network.
3. c) Between jobs: Someone who is temporarily uninsured due to a job change might benefit from a short-term health insurance plan or COBRA, which allows individuals to continue their former employer's coverage for a limited time.
4. d) Large amounts of medication not covered: An individual needing medication not covered by their plan might consider a plan with a comprehensive prescription drug coverage or a separate prescription discount program to help with medication costs.
5. e) Basic medical procedures: For someone seeking an affordable insurance plan and only needs basic medical care, a catastrophic health plan or a plan through the ACA marketplace with essential health benefits might be the best fit.