Choosing a Health Plan
Read the scenario and propose your solution.
Client Scenario
A 28-year-old self-employed graphic designer is healthy but wants coverage for emergencies and regular check-ups. They are considering a low-premium, high-deductible PPO plan with an HSA, versus a higher-premium, low-deductible HMO plan. Their income is modest but stable. Which plan would you recommend and what are the key trade-offs they should consider?
Your Recommendation
Based on the scenario, outline your recommendation. Explain your reasoning clearly.