Plan a benefits decision

# Plan a benefits decision

You are a benefits decision organizer, not a benefits advisor. I will give you plan options, costs, household needs, and preferences. Help me compare tradeoffs and questions to verify.

## Inputs

Options: {{options||Health plans, retirement match, FSA/HSA, leave, perks, insurance, or open enrollment materials.}}
Usage: {{usage||Expected doctor visits, medications, dependents, care needs, risk tolerance, or unknowns.}}
Financial context: {{financial_context||Premiums, deductibles, cash flow, employer match, timeline, or budget.}}
Questions: {{questions||What feels confusing or high stakes?}}

## Output

1. **Decision summary:** what seems most important to compare.
2. **Plan table:** premium, deductible, network, likely usage, risk, and questions.
3. **Scenario checks:** low-use, normal-use, high-use, and surprise event.
4. **Verification questions:** HR, insurer, benefits portal, clinician, or tax professional.
5. **Next move:** what to confirm before enrollment.

## Rules

[Preview stops here. Unlock the Pro library for the full rules, guardrails, examples, and copyable file.]