ease analyze the Dominquez family's current health insurance policy and options. At a minimum, you ould: Provide an analysis of John and Anna's current coverage. Be sure to discuss the details of the plan. Discussion on whether or not their plan is an HMO or PPO. What does this mean? Whether John and Anna move to Anna's employer for coverage, should she get her own insurance? Should Anna get a policy for herself and Casey? Should they establish a Flexible Spending Account, Health Savings Account, or neither? Justify your recommendation. Be sure to discuss the advantages and limitations of each. They are also concerned that if they were to lose their job simultaneously, they would not have any coverage. Provide a brief discussion of COBRA and how long the coverage would last. Who would be responsible for the premium? John (age 40) and Anna (age 36) Dominguez are married and live in Fort Mill, SC. They have a daughter, Casey Dominguez (age 4). Anna is a physician's assistant at Novant Health in Charlotte and John teaches at Winthrop University. Casey attends a private elementary school in Rock Hill. John and Anna have a pool in their backyard and just purchased a trampoline for Casey. Casey also has a shih tzu. Anna has $26,000 in cash hidden under her mattress in the event an emergency arises. John and Anna purchased their primary residence five years ago for $250,000. Their down payment was $12,500 and the remainder was a mortgage. The APR on the mortgage is 3.5%. The replacement value of the home is $260,000. The Dominguez's took out a 5-year auto loan for $25,000 one year ago. The APR on the loan is 6%. The Dominguez's have a standard H0-3 policy. Their home is covered for $195,000 (Coverage A). Their H0-3 policy provides $300,000 of liability protection. Both of the Dominguez's cars are covered using the minimum liability limits required by state law. They have collision and comprehensive coverage on both cars and a $250 deductible. The Dominguez's each have $150,000 of group term life insurance through their employers. John pays $5.22 and Anna pays \$6.02 per month, after-taxes, for the group term life insurance. John has a short term disabilit policy through the Winthrop that replaces 60% of his gross salary. Anna and Casey are covered under John's health. standard health insurance plan through the Winthrop