In this video, we provide guidance on helping employees choose the best health insurance plan by asking key questions. It begins by emphasizing the importance of understanding one's specific health habits and history, such as frequency of doctor visits, prescription drug use, and overall healthcare needs. It then outlines two main types of health plans:

1. Copay Plans: These have higher monthly premiums but lower out-of-pocket costs for healthcare services like doctor visits and prescriptions. They are ideal for individuals who expect to use healthcare services frequently and prefer predictable payments.

2. High Deductible Plans (HDHPs): These have lower monthly premiums but higher out-of-pocket costs when healthcare services are used. They are suitable for those who typically use healthcare less frequently and are comfortable with occasional higher costs.

It also advises against directly telling employees which plan to choose, as this could lead to legal issues. Instead, it’s recommended to use baseline questions to help employees make informed decisions. Additionally, it suggests consulting a benefits broker for tools that can assist in the decision-making process.