So. The question remains:..... how does an OLD person, in failing health, with no computer handle this? My elderly mother is in exceptionally good health, has a computer, is a highly organized person with no signs of dementia, and worked with numbers years ago. But even she can't cope with it, and just goes with whatever AARP sells for all of her insurance needs.Frankly, I find simply picking from my husband's employer's health plan choices to be difficult. Making the right choice depends on knowing in advance what kind of health care we'll need long after we sign up by the end of October for the following calendar year. I often make the wrong choice--paying for a gold=plated plan and then having a year with little medical care, or conversely, choosing a cheaper plan with higher deductibles and ending up needing more care and paying as much as I would have with the better plan. sigh--the extra stress is not good for my health!