Consumer Health Lesson Plan

Instructor: Kevin Newton

Kevin has edited encyclopedias, taught history, and has an MA in Islamic law/finance. He has since founded his own financial advice firm, Newton Analytical.

Health insurance affects just about everyone, and if your students plan on ever having a job, then they need to know about it. Yet, it's all so confusing. This lesson plan will assist your instruction of health insurance by defining coinsurance, copays, and even exclusions. Then, evaluate their understanding through an activity.

Lesson Objectives

Following the completion of this lesson, students should be able to:

  • describe many common healthcare and health insurance terms
  • analyze a health insurance plan thoroughly


  • 60 minutes


For this activity, you will need to provide your students with:

  • Printouts that compare and contrast healthcare coverage. These can be found from the government's or by contacting an insurance agent in your area. They should compare premiums, copays, and deductibles.
  • A slip of paper with a budget for their healthcare costs on it ($400 per year, for example) for each student in the class

Curriculum Standards


Cite specific textual evidence to support analysis of science and technical texts, attending to important distinctions the author makes and to any gaps or inconsistencies in the account.


Integrate and evaluate multiple sources of information presented in diverse formats and media (e.g., quantitative data, video, multimedia) in order to address a question or solve a problem.

Key Terms

  • Health insurance
  • Premium
  • Deductible
  • Coinsurance
  • Copay
  • Fixed indemnity


  • Before starting this lesson, ask students one simple question: When they have to see a doctor, who has to pay the bill for that service?
  • Then play the lesson Health Insurance and Health Care: Overview, Roles & Regulations, pausing for key terms and the following points of understanding:
    • 1:27 - What is a premium? How are some premiums different from others? Why do you think that a simple health insurance policy doesn't cover everything?
    • 4:42 - Define deductible, copay, and coinsurance. Make sure students know that there is a now a yearly cap on how much a person has to pay out of pocket. What do students think their priorities should be for healthcare?
    • 5:38 - How is a fixed indemnity a way for insurance companies to limit what they pay? What do you think some excluded costs are?

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