Open enrollment, the annual window during which employees can change health insurance plans, is often treated as a formality to click through quickly, but the choices made during it can affect a household's finances more than any single raise that year. A plan with a lower monthly premium usually carries a higher deductible, meaning the saving only pays off for a household that rarely needs care; a family expecting a major medical event in the coming year is often better served by the plan with the higher premium and lower out-of-pocket costs. Benefits advisers say the mistake they see most often is employees choosing the same plan every year without recalculating whether their situation has changed.
Based on the passage, a household expecting a major medical event in the coming year would most likely benefit from
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Correct answer to question 118 (Paragraph Comprehension): a plan with a higher premium and lower out-of-pocket costs
Method
The passage states that a family expecting a major medical event is often better served by the plan with the higher premium and lower out-of-pocket costs, which the second choice restates.
Updated: November 2026