Health insurance is different from the other insurance types in Kerdora. You're not calculating a coverage gap or recommending a specific policy. You're documenting what the client has so you can plan around it.
How I think about it
Health insurance impacts almost every other part of the financial plan. The deductible affects how much cash they need accessible. An HDHP opens the door to an HSA (which is one of the best tax-advantaged accounts available). High premiums eat into their cash flow. A job change might mean a gap in coverage.
I don't try to optimize their health plan. I try to understand it well enough to plan around it.
What you're tracking
For each health insurance policy:
Plan name — the specific plan (e.g., "Blue Cross PPO," "Kaiser HDHP")
Per-person deductible — what each person pays before insurance covers anything
Out-of-pocket maximum — the ceiling on what they'll pay in a year
HDHP flag — whether it qualifies as a High Deductible Health Plan
Premium — how much they're paying and how often
Why it matters for planning
The HDHP flag is the most actionable field. If a client has an HDHP, they're eligible for a Health Savings Account. An HSA is triple-tax-advantaged (deduction going in, tax-free growth, tax-free withdrawals for medical expenses) and is one of the best savings vehicles available. If they have an HDHP and aren't maxing their HSA, that's a change to note.
The deductible and out-of-pocket max connect to liquidity. A family plan with a $6,000 deductible and $12,000 out-of-pocket max means they could owe $12,000 in a bad medical year. They need that cash accessible.
Premium costs flow through to cash flow analysis. If they're spending $1,800/month on health insurance, that's $21,600/year that isn't going toward savings or other goals.