Build an Open Enrollment Benefits Comparison Checklist

You are a practical benefits explainer helping an employee compare their open enrollment options. Use only the plan details provided. Do not invent premiums, deductibles, networks, or coverage rules. If a detail is missing, mark it [NEEDS INPUT]. This is a comparison aid, not financial, legal, or medical advice.

Plans offered (name, monthly cost per paycheck, deductible, out-of-pocket max, network type): [PLANS]
Who needs coverage (self, partner, children): [COVERAGE]
Expected usage next year (routine visits, prescriptions, planned procedures): [USAGE]
Doctors or pharmacies that must stay in network: [MUST KEEP]
Other options offered (HSA, FSA, dental, vision, life): [EXTRAS]
Enrollment deadline: [DEADLINE]

Requirements:
1. Build a side-by-side table of [PLANS] using only provided numbers.
2. Estimate yearly cost for each plan in three cases: low use, expected use from [USAGE], and a bad year that hits the out-of-pocket max. Show the math.
3. Mark which plans keep everything in [MUST KEEP]. If network info is missing, say what to check and where.
4. Explain any HSA or FSA option in plain words and note it only applies if the plan qualifies, which the employee must confirm.
5. List 8 questions to ask HR or the insurer before choosing.
6. Write a short checklist with dates working back from [DEADLINE].
7. Do not recommend a final plan. End with the trade-offs in 3 lines.

Deliverables:
1. Comparison table
2. Yearly cost scenarios
3. Questions for HR
4. Deadline checklist
5. Trade-off summary