Can you compare the out of pocket costs of COBRA health insurance versus a high deductible health plan with an HSA for a recent graduate
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you compare the out of pocket costs of COBRA health insurance versus a high deductible health plan with an HSA for a recent graduate
3 real searches · 1 real-search pass
2026 COBRA continuation coverage 102 percent premium Department of Labor officialGoogle ↗
OBSERVEDConsequence
2026 HSA contribution limits 2026 IRS high deductible health plan minimum deductible out of pocket maximumGoogle ↗
OBSERVEDReason
HealthCare.gov young adults recent graduates special enrollment period loss of coverage marketplace subsidies officialGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 COBRA continuation coverage 102 percent premium Department of Labor official Google ↗
2026 HSA contribution limits 2026 IRS high deductible health plan minimum deductible out of pocket maximum Google ↗
HealthCare.gov young adults recent graduates special enrollment period loss of coverage marketplace subsidies official Google ↗
- Internal Revenue Bulletin: 2025-21 · irs.gov
- Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans · irs.gov
- What are Health Savings Account-eligible plans? · healthcare.gov
- HealthCare.gov · healthcare.gov
- Pennie (Pennsylvania's ACA Marketplace) · pennie.com
- Getting health coverage outside Open Enrollment · healthcare.gov
- See Your Options If You Lose Job-Based Health Insurance · healthcare.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 COBRA continuation coverage 102 percent premium Department of Labor official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
2026 HSA contribution limits 2026 IRS high deductible health plan minimum deductible out of pocket maximum OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
HealthCare.gov young adults recent graduates special enrollment period loss of coverage marketplace subsidies official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |