{"id":"life-job-cobra-vs-marketplace","audience":"job-seekers","category":"everyday-life","track":"life","technique":"examples","title":"Compare COBRA with a marketplace plan by monthly cost","free":false,"task":"You lost your job and must pick health coverage for the next 6 months while you search. Get exactly 3 numbered lines in plain text, under 80 words: 1. COBRA's 6-month cost with the math; 2. the marketplace plan's 6-month cost with the math, using the subsidy; 3. which costs less over 6 months and by how much. Use the corrected subsidy and add no advice. Write a prompt that gets you exactly that.","materialLabel":"The two options (attached to your prompt automatically)","material":"OPTION 1 - COBRA CONTINUATION (from former employer, Halvorsen Supply, fictional)\nSame plan you had at work. Same doctors.\nMonthly premium (full cost + 2% admin fee): $612\nDeductible already met this year: $800 of $1,500\n\nOPTION 2 - STATE MARKETPLACE PLAN (fictional: \"Silver Standard 2027\")\nMonthly premium before subsidy: $480\nEstimated monthly subsidy based on expected income: $260\nDeductible: $3,000 (starts fresh)\nYour doctor Dr. Lin: in network\n\nMARKETPLACE MESSAGE (Nov 4): \"We updated your estimate after you reported severance income. Your estimated monthly subsidy is now $210.\"\n\nMY NOTES\n- Need coverage Dec through May, 6 months.\n- Sister says COBRA is \"always a rip-off.\"\n- No planned procedures.\n- Severance: 2 months pay.","rules":[{"type":"numberedItems","count":3},{"type":"maxWords","max":80},{"type":"plainText"}],"mistakes":[{"title":"Using the old subsidy","why":"The AI uses the $260 estimate and misses the Nov 4 update.","fix":"Add: \"Use the updated $210 subsidy.\"","checks":["r1"]},{"title":"No math shown","why":"The AI gives totals without the working.","fix":"Show it: \"1. COBRA: $612 x 6 = $[total]\".","checks":["r0","r1","numberedItems"]},{"title":"Getting advice","why":"The AI weighs deductibles and doctors and tells you what to pick.","fix":"Add: \"Line 3 only says which costs less and by how much. No advice.\"","checks":["r2","plainText"]},{"title":"Trusting the AI to count words","why":"AI is bad at counting. Ask for \"under 80 words\" and it often lands well over.","fix":"Cap each part: \"each line under 20 words.\"","checks":["maxWords"]}],"promptHints":[{"label":"Uses the updated subsidy","patterns":["\\$?210","updated","nov(ember)? 4","new subsidy"]},{"label":"Shows the math","patterns":["x\\s*6","show.{0,15}(math|work)","6 months"]},{"label":"Rules out advice","patterns":["no advice","don'?t recommend","numbers only"]},{"label":"Sets the number of lines","patterns":["\\b(3|three)\\b.{0,20}(lines?|numbered|items?|steps?)"]},{"label":"Sets a word limit","patterns":["\\d+\\s*words","word (limit|count)"]}],"hint":"Premium comparisons hide in the details. Tell the AI which subsidy is current, show it the math shape, and keep the verdict to numbers.","rubricLabels":["Line 1 gives COBRA's 6-month cost as $3,672 with the math shown ($612 x 6)","Line 2 gives the marketplace plan's 6-month cost as $1,620 using the corrected $210 subsidy ($480 - $210 = $270 x 6), not $1,320 from the old $260 subsidy","Line 3 says the marketplace plan costs $2,052 less over 6 months, and the answer gives no advice on which to choose"]}