- Determining your needs - Deciding how much you can afford to pay - Determining what risks you can assume - Assessing your preference for a particular plan's approach to health care As you complete the following scenario statements using the dropdown menus, consider the different issues for future use in determining your own So Many Options, So Many Types of Plans Darnell has a job. The first place he should look for health care coverage is will probably be the for the generous terms and coverage. because the costs Felix does not have a job. He is a member of the alumni association of his alma mater. Felix will probably find better coverage for a lower cost throuph plans offered by people than plans do, To begin their research, Darnell and Fellx should look at plans spread the costs and risks among more Having a wide range of choices among the doctors, hospitals, and other health services he may want to use is very important to Darmell. All other factors being equal, Darnell is willing to pay more for. in order to Darneil and his spouse plan to start a family in the near future plan. ollow steps to make sure the plans they cons concerns, they should Darnell has narrowed down his choices to two managed carestide adequately cover their individual requirements. hill probably favor the netwark in which elix is young and healthy, Felix will peobably take risk when selecting his health insurance plan than his friend who, although the same age as elix, has a history of poor health