Question 1 of 5
How often do you typically see a doctor in a year?
Count primary care, specialists, urgent care not ER
Rarely 0–2 visits
Annual physical + maybe one sick visit
Moderate 3–6 visits
Regular check-ups, managing one condition
Frequent 7–12 visits
Ongoing condition, specialist follow-ups
High 12+ visits
Chronic condition, multiple specialists
Question 2 of 5
How many prescription medications do you take monthly?
Include maintenance meds, not just one-time antibiotics
None
No regular prescriptions
1–2 generic meds
Common generics under $30/mo
3+ meds or brand-name
Multiple prescriptions or specialty drugs
Question 3 of 5
How would you rate your likelihood of an ER visit or hospitalization this year?
Be honest this dramatically affects your real exposure
Very low I'm generally healthy
No chronic conditions, young/active
Low but it's possible
One condition, occasional emergencies
Moderate realistic chance
Ongoing health management, 40+
High managing serious condition
Chronic illness, recent hospitalizations
Question 4 of 5
Who needs coverage?
This affects your premium and out-of-pocket max
Me + spouse / partner
Two adults
Family with kids
Two+ adults + dependents
Question 5 of 5
What's your monthly premium comfort zone?
Before any subsidy we'll factor that in on your consult
As low as possible
I need the most affordable option
$$$ moderate
Willing to pay more for better coverage
$$$$ comprehensive
Low deductible, wide network is worth it
