It's open enrollment and I need to pick a plan. I'll share the plan documents or the summary page from my employer or marketplace. Compare the options side by side in plain words: monthly premium, deductible, out-of-pocket maximum, copays for common visits, prescription coverage, and whether my doctors are in network if I tell you who they are. Then ask me a few questions about how much care I expect next year and estimate my total yearly cost under each plan for a light year, a typical year, and a heavy year. Point out the deadline and anything I must actively re-select, like a health savings or flexible spending account. Don't enroll me in anything; just help me decide.
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