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Semester Course

8.4 Finding a Health Insurance Plan

www.ngpf.org

Approximate Time: 45 minutes

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TEACHER FACING SLIDES

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JUMP$TART STANDARDS

Managing Risk

2a: Identify individual characteristics that influence insurance purchase decisions
5a: Discuss the advantages of obtaining health insurance coverage through an employer plan versus buying private insurance or being uninsured

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ASSESSMENTS & GRADING

Important: Please do NOT include any NGPF assessments or answer keys in your Nearpod lessons.

Grading Tip: Each NGPF lesson ends with an Exit Ticket which NGPF recommends for grading.

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CUSTOMIZE IT!

Please review the Nearpod slides and customize the content and activities based on your teaching environment.

Delete teacher facing slides before facilitating lesson to your students!

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FACILITATION

Make sure you have the lesson guide available when you are facilitating (for time management, organization of lesson) and the answer key available when you are grading.

If a resource or activity in a lesson was not transferable to Nearpod there will be a teacher facing slide making you aware.

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LESSON SLIDES

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8.4 Finding a Health Insurance Plan

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LEARNING OBJECTIVES

Students will be able to:

Understand how millions of Americans get their health insurance
Explain the pros and cons of opting into their employer health plan versus buying their own
Read the fine print on a health benefits form and shop around for a health insurance plan that works for them
Determine what steps you can take if they are faced with expensive medical bills

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RESOURCE 1: DATA CRUNCH

HOW DO AMERICANS GET HEALTH INSURANCE?

Analyze the graph on the following worksheet to complete the Data Crunch.

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RESOURCE 2: EMPLOYER HEALTH INSURANCE

VERSUS INDIVIDUAL PLANS

In the previous Data Crunch, we saw that many people choose to either go with their employer’s health insurance or they choose to buy their own. Which option is better for you? Skim through the article Employer Health Insurance Versu Individual Plans from Medical Mutual to learn more about the pros and cons of each option and then answer the questions.

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RESOURCE 3: REFERENCE - WHAT IS A HEALTHCARE MARKETPLACE? THE MARKETPLACE IN YOUR STATE

Let’s say you decide to opt out of your employer sponsored healthcare plan and you want to purchase individual coverage. Where do you go to buy it? Read through the reference from Healthcare.gov to learn more about Healthcare Marketplaces. Then, skim through the article from Health Markets to see how the marketplace is structured specifically in your state. Using the information, answer the questions that follow.

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RESOURCE 4: FINE PRINT - HEALTH BENEFITS FORM

When shopping around for a health insurance plan, it’s vital to read the fine print so you know what costs you are responsible for and how much they are. You’ll now have the chance to practice reading the fine print on a sample health insurance policy! Follow the directions on the following slide to complete the activity.

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RESOURCE 5: WHAT TO DO WHEN YOU GET

MEDICAL BILLS YOU CAN’T AFFORD TO PAY

After learning about the rise of medical debt in the U.S., you may be wondering what you can do if you are ever faced with medical bills that you can’t afford to pay. Skim the article What to Do When You Get Medical Bills You Can’t Afford to Pay from Money Under 30 to find out what steps you can take! Then, answer the questions.

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RESOURCE 7: EXIT TICKET

Take the 3 question Exit Ticket to assess what you have learned about finding a health insurance plan.