You are not smart if you donโt run your insurance contracts through Claude or any other LLM and ask for a summary and issues you will face
Doesnโt matter if you are the employee or the employer or buying an ACA , Medicare , MA or Medicaid plan.
Get that summary and suggestions. Ask it questions and to explains, simply, the things you donโt understand.
There are no more excuses
I don't know a single person who has read and understands their health insurance policies.
THAT is also a problem.