1. Ted is a 50-year-old male, is employed, and has a high deductible ($6,000/year) family health plan offered by his employer. Ted has a typical U.S. diet and a family history of heart disease. Saving for retirement and helping two children with college expenses are financial priorities for him.
2. Hope is a 25-year-old female, has no children or spouse, and works two part-time jobs; she rides her aging motorcycle to her jobs. Hope does not have employer-sponsored health insurance, but her state does have a health exchange that offers coverage.