Health insurance decisions are important and complex. Many plans are available, and they differ in numerous dimensionsvirtually all are expensive. Your task is to build a model that will help individuals choose an appropriate plan from among a number of options. For this exercise, Table 1.1 provides data extracted for family coverage.10 Assume that this familys usage patterns are representative of the average in the population, as shown in Table 1.2.

Assume that primary care outpatient office visits cost an average of $150 and outpatient specialist visits average $250. Build a model to determine which plan is cheapest for this family