FixKit AI

Loop/Prompt Library / Money and bills: stop overpaying

๐Ÿ’ฌ AI prompt: Compare health plans at open enrollment

Open enrollment is here and I'm staring at plan names, premiums, deductibles and networks I can't line up side by side.

Copy this prompt

Help me compare health plans for open enrollment. Plans (from each plan's Summary of Benefits and Coverage): [for each plan: name, monthly premium, deductible, out-of-pocket maximum, copays/coinsurance for doctor, specialist, urgent care, ER and generic/brand drugs, HSA-eligible yes/no, network type]. Who's covered: [me / me + spouse / family]. Rough use last year: [e.g. 4 doctor visits, 1 specialist, 2 regular prescriptions, any planned procedure], no diagnoses. Rules: 1) Use only the numbers I give you; if a number is missing, write 'not given' and don't guess. 2) Make a side-by-side table of the plan numbers. 3) Estimate yearly cost for each plan (premiums plus what I'd pay for care) in three cases: a quiet year, a year like last year, and a worst case where I hit the out-of-pocket maximum. Show the math. 4) List 5 questions to ask before choosing, such as whether my doctors and medicines are in network. 5) Don't recommend a plan and don't give medical, tax or financial advice; point out trade-offs only. Stop after the table, the estimates and the questions, and wait for my corrections.

How to use it

  1. Open Grok Bot, ChatGPT, Gemini or Claude โ€” any of them works.
  2. Paste the prompt and fill in every [bracket]. Black out names, account numbers and member IDs first.
  3. Read the answer and double-check anything important before you act on it.

Not medical, legal or financial advice. The AI drafts; you decide and you press send.

Full recipe โ†’

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