{"id":"life-off-insurance-plan-compare","audience":"office","category":"everyday-life","track":"life","technique":"constraints","title":"Compare two health plans by your real yearly cost","free":false,"task":"Open enrollment ends Friday and you're comparing two plans for yourself. Using the visits you expect from your notes, get exactly 3 numbered lines in plain text, under 120 words: 1. Plan A's yearly total with the math shown; 2. Plan B's yearly total with the math shown; 3. which costs less for your expected use and by how much. Use the corrected Plan B premium, and add no advice beyond the numbers. Write a prompt that gets you exactly that.","materialLabel":"Plan summary and your notes (attached to your prompt automatically)","material":"2027 BENEFITS - EMPLOYEE-ONLY COVERAGE (fictional employer: Halvorsen Supply)\n\nPLAN A - Standard PPO\nYour premium: $95 per paycheck (26 paychecks)\nDeductible: $500\nPrimary care visit: $25 copay (not subject to deductible)\nSpecialist visit: $50 copay (not subject to deductible)\nGeneric prescription: $10 per fill\n\nPLAN B - Saver HDHP\nYour premium: $40 per paycheck (26 paychecks)\nDeductible: $2,000\nPrimary care visit: you pay full cost until deductible ($120 per visit)\nSpecialist visit: you pay full cost until deductible ($200 per visit)\nGeneric prescription: you pay full cost until deductible ($15 per fill)\nEmployer HSA deposit: $500 per year\n\nHR UPDATE 10/30: The Plan B premium on the printed sheet is wrong. The correct Plan B premium is $45 per paycheck.\n\nMY NOTES FOR NEXT YEAR (my own guess, no surgery planned)\n- 2 primary care visits\n- 4 specialist visits (allergist follow-ups)\n- 12 generic prescription fills (one a month)\n- Coworker says Plan B is always cheaper for young people\n- Ask about vision plan separately","rules":[{"type":"numberedItems","count":3},{"type":"maxWords","max":120},{"type":"plainText"}],"mistakes":[{"title":"Using the printed premium","why":"The AI reads the plan table first and uses $40, missing HR's correction below it.","fix":"Add: \"Use HR's corrected Plan B premium of $45 per paycheck.\"","checks":["r1"]},{"title":"Comparing only premiums","why":"The AI compares paycheck costs and deductibles in general instead of adding up your actual visits.","fix":"Say: \"Add premiums plus the cost of my expected visits and prescriptions for each plan.\"","checks":["r0","r1"]},{"title":"No math shown","why":"The AI gives totals with no working, so you can't catch a mistake.","fix":"Show the shape: \"1. Plan A: $95 x 26 = $2,470 + $370 visits and drugs = $2,840\".","checks":["r0","r1","numberedItems"]},{"title":"Getting generic advice","why":"The AI adds tips about HSAs, risk and who each plan suits, echoing the coworker.","fix":"Add: \"Line 3 only says which costs less for my use and by how much. No advice.\"","checks":["r2","plainText"]},{"title":"Trusting the AI to count words","why":"AI is bad at counting. Ask for \"under 120 words\" and it often lands well over.","fix":"Cap each part: \"each plan on one line, no working paragraphs, nothing after line 3.\"","checks":["maxWords"]}],"promptHints":[{"label":"Uses the corrected premium","patterns":["correct","\\$?45","hr update"]},{"label":"Counts expected use","patterns":["my (notes|visits|use)","expected","visits"]},{"label":"Shows the math","patterns":["show.{0,15}(math|work)","x\\s*26","\\d\\s*x\\s*\\$?\\d"]},{"label":"Sets the number of lines","patterns":["\\b(3|three)\\b.{0,20}(lines?|numbered)"]},{"label":"Sets a word limit","patterns":["\\d+\\s*words","word (limit|count)"]}],"hint":"Comparing plans in general says little. Tell the AI exactly which costs to add for each plan, which premium is current, and to show the math before the answer.","rubricLabels":["Plan A's total is $2,840 with the math shown (premiums $95 x 26 = $2,470, plus visits and prescriptions $370)","Plan B's total is $1,890 using the corrected $45 premium with the math shown (premiums $1,170, plus $1,220 in costs, minus the $500 HSA deposit), not a total based on the $40 printed premium","Line 3 says Plan B costs less for these expected visits by $950 and gives no general advice such as which plan young people or anyone should pick"]}