Pick a family health plan at open enrollment from photos of the benefits booklet with ChatGPT, then cross-check the numbers
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- by Chris L. (LinkedIn)
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Outcome
Chris L.'s family spent about $19k on healthcare in a year that wasn't especially bad health-wise, because they'd hit the out-of-pocket maximum on a plan that didn't fit their needs. During open enrollment they photographed the pricing and coverage pages of the enrollment booklet and gave them to ChatGPT, with the care they expected. After 5 and a half minutes it compared the PPO, Gold and Bronze plans, explained how an FSA and an HSA would work out, and gave best- and worst-case yearly costs for each. They then asked about the costs in between those two extremes and got another detailed answer. They checked the output with two other models, which gave the same numbers, and expect to pay between $2,600 and $16,500 in 2026, saving at least $2,500 compared with the year before. It took them under 20 minutes.
Agent
Prompt Original prompt
Exact prompt as published in the source.
I'm considering health insurance for myself and my family for the coming year. I expect <fill in expected medications, operations, therapies, etc.>. The attached images are of the enrollment options. Help me decide which plans would be best for my family.
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Optional stronger version
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Run this task now, exactly as written below. Everything you need is here, so start straight away and only stop if something required is missing or a rule below tells you to. Goal: Work out which health plan costs my family least over the year, given the care we expect. Fill in before running: - The plan options (summary of benefits or booklet pages): [ATTACH] - Who's covered and expected care (visits, prescriptions, procedures): [DETAILS] - Any doctors we want to keep: [DETAILS] You're not my accountant or financial adviser. Show your working, label estimates as estimates, and tell me which points a professional or the official source should confirm. Rules: - For each plan, add up premiums plus expected costs in a low, likely and bad year, and show your working. - Explain the deductible, coinsurance and out-of-pocket maximum for each plan in plain words. - Compare HSA or FSA options, including any employer contribution. - List what I must confirm with the insurer or HR, such as whether our doctors are in network. - Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify. - Show the break-even point: how much care in a year would make the higher-premium plan worth it. Output: A cost table for each plan in three scenarios, a recommendation and a short list of things to confirm. You'll know it worked when: we pick the plan with the lowest likely yearly cost and no surprises on coverage. Before you finish: re-read my goal and constraints, check your answer against each one, and list anything you assumed or couldn't confirm.
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The plan options (summary of benefits or booklet pages)
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Your prompt
Run this task now, exactly as written below. Everything you need is here, so start straight away and only stop if something required is missing or a rule below tells you to. Goal: Work out which health plan costs my family least over the year, given the care we expect. Fill in before running: - The plan options (summary of benefits or booklet pages): [ATTACH] - Who's covered and expected care (visits, prescriptions, procedures): [DETAILS] - Any doctors we want to keep: [DETAILS] You're not my accountant or financial adviser. Show your working, label estimates as estimates, and tell me which points a professional or the official source should confirm. Rules: - For each plan, add up premiums plus expected costs in a low, likely and bad year, and show your working. - Explain the deductible, coinsurance and out-of-pocket maximum for each plan in plain words. - Compare HSA or FSA options, including any employer contribution. - List what I must confirm with the insurer or HR, such as whether our doctors are in network. - Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify. - Show the break-even point: how much care in a year would make the higher-premium plan worth it. Output: A cost table for each plan in three scenarios, a recommendation and a short list of things to confirm. You'll know it worked when: we pick the plan with the lowest likely yearly cost and no surprises on coverage. Before you finish: re-read my goal and constraints, check your answer against each one, and list anything you assumed or couldn't confirm.
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Source
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