Health Insurance Lesson Plan

Instructor: Josh Corbat

Josh has taught Earth Science and Physical Science at the High School level and holds a Master of Education degree from UNC-Chapel Hill.

Use this lesson plan to help you introduce students to the American health insurance system. Students will watch a video, define key terms, and create an annotated example of a health care bill that is covered by health insurance.

Learning Objectives

After this lesson, students will be able to:

  • define and explain key terms related to the American health insurance system
  • explain how each of the elements of health insurance is paid by the insured and/or the insurer


60-90 minutes

Curriculum Standards


Analyze a complex set of ideas or sequence of events and explain how specific individuals, ideas, or events interact and develop over the course of the text.


Determine the meaning of words and phrases as they are used in a text, including figurative, connotative, and technical meanings; analyze how an author uses and refines the meaning of a key term or terms over the course of a text (e.g., how Madison defines faction in Federalist No. 10).

Key Terms

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


  • Copies of an Explanation of Benefits health care bill sample, one per student
  • Samples of health insurance coverage policies, one per pair


  • To begin the lesson, write the key terms on the board. Inform students that they will be responsible for jotting down concise definitions for each of the terms as they are discussed in the lesson.
  • Begin the video in the lesson Health Insurance and Health Care: Overview, Roles & Regulations. Pause it after each section and hold a brief whole class discussion focused on each key term.
  • Resume and finish the video.
  • Discuss the following questions with the class before moving on:
    • How are premiums and deductibles similar? What is the difference between them?
    • What about coinsurance? How does coinsurance factor in to a health care bill?
    • What is a copay and when do you typically pay it?
    • If your health insurance coverage includes fixed indemnities and exclusions, what do you need to know in order to be informed about what is covered?
  • Pass out copies of the explanations of benefits (EOBs). Ask students to find and highlight the key terms on their EOB in different colors. Dissect and analyze the EOB with the class as a whole before moving on to the activity, making sure to answer any outstanding questions.

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