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Lesson Objectives

Students comparison shop health insurance for themselves to understand how much the monthly premiums, deductibles, and co-insurance amounts vary from plan to plan.

Duration

50 minutes: Entire activity

Description

Working individually or in teams, students research, contrast and compare a variety of health insurance plans.

This lesson is one part of a larger unit, Health. While completing this unit students will learn about the importance of health insurance and how to select their best option amongst a plethora of providers.

Consumer Jungle units are designed to be flexible, and can be used as one integrated unit or individual segments. If you are planning to use the unit in its entirety, please see the Related Content field for the additional lessons. The End of Unit Assessment field contains links to the concept quizzes for the unit.

Materials

• Copies of the eHealthInsurance student worksheet
• Teacher copy of the eHealthInsurance Answer Key
• Health Insurance PowerPoint
• Computers with Internet access

Step-by-Step Procedure

1. Pass out the eHealthInsurance student worksheet.
2. Give students access to a computer connected to the Internet.
3. Direct students to complete the worksheet according to the worksheet instructions.
4. Ask students to turn in the worksheet. The Answer Key shows an example, but because students are shopping for individual plans, there cannot be one correct answer. You may wish to modify the lesson plan by creating 5-6 profile sketches and getting the quotes in advanced for your state.
5. Return the worksheets to the students so that they can use it as a reference in future lessons.
6. Debrief as a class by summarizing common findings when comparing health insurance plan. 

• Is it better to pay a higher monthly premium or a lower monthly premium?
• How much health insurance can you afford to pay for each month?

Related Content

• Calculate your BMI
• Common Procedure Costs
• My Pyramid
• Self Contract
• Heart Rate

End of Unit Assessment

Students can take the concept quizzes via pen and paper.

Downloads:

• Health Insurance Concept Quiz

Content Provider

Consumer Jungle is dedicated to providing young adults with the life skills they need to become responsible, informed consumers. Consumer Jungle provides engaging and relevant consumer education curricula covering a variety of topics such as credit cards, transportation, living on your own, personal finances, telecommunications, health, and e-commerce fraud. Developed with input from teachers, students, and parents, Consumer Jungle delivers interactive games, activities, and relevant information directly to the home or classroom.

Website(s)

• Consumer Jungle -http://www.consumerjungle.org

Related Academic Standards

New York State

WST.9-10.6 Use technology, including the Internet, to produce, publish, and update individual or shared writing products, taking advantage of technology's capacity to link to other information and to display information flexibly and dynamically.

WST.11-12.6 Use technology, including the Internet, to produce, publish, and update individual or shared writing products in response to ongoing feedback, including new arguments or information.

HPF.FC.C.3.1.A Students analyze a wide range of factors related to managing personal resources to balance obligations to work, family, and self.

HPF.FC.C.3.1.B Students understand the basics of an individual/family budget and plan to obtain, use, and protect money and assets.

MST2.C.ES.IS.1.1 Students access, select, collate, and analyze information obtained from a wide range of sources such as research data bases, foundations, organizations, national libraries, and electronic communication networks, including the Internet.

MST7.C.C.CO.1.2 Students analyze and quantify consumer product data, understand environmental and economic impacts, develop a method for judging the value and efficacy of competing products, and discuss cost/benefit and risk/benefit tradeoffs made in arriving at the optimal choice.

SS.C.4.1B Students define and apply basic economic concepts such as scarcity, supply/demand, opportunity costs, production, resources, money and banking, economic growth, markets, costs, competition, and world economic systems.