Finance & Banking · Personal Finance

Insurance Decoded

A US personal-finance simulation that walks a 22-year-old through the five insurance decisions (auto, health + HSA, renters, life, long-term disability) inside a 14-day benefits-enrollment window.

4 rounds Undergraduate English, Español

Preview

About this simulation

A US personal-finance simulation that walks a 22-year-old through the five insurance decisions (auto, health + HSA, renters, life, long-term disability) inside a 14-day benefits-enrollment window.

Students learn the breakeven on a deductible, why state-minimum liability is inadequate, why HDHP + HSA is a stealth retirement vehicle, the dependency test for life insurance, and why long-term disability is the highest-expected-value policy in their twenties.

Who it is for

An introductory simulation that assumes no prior knowledge of the subject, designed for undergraduate courses. It also works in vocational and high-school programmes and in onboarding sessions.

How a session runs

  1. The instructor creates a session from the Eureka dashboard and invites the participants.
  2. Participants play 4 rounds. In each one they submit their decisions and the simulation calculates the results. The first round opens with: Auto Insurance Renewal.
  3. The simulation can be run in English, Español.
  4. The instructor follows each participant's progress and results from the dashboard, and uses the class results for the debrief.

Decisions participants make

The decisions participants make during the simulation:

  • Pick a coverage option
  • Choose a health plan
  • Monthly HSA contribution (HDHP only — IRS 2025 max ~$358/mo)
  • Renters insurance
  • Life insurance
  • Long-term disability (employer group)

What participants track

What participants follow on screen as the rounds go by:

  • Decision Ledger
  • Monthly Premium vs Budget Ceiling

Subjects covered

Designed for courses in Personal Finance.

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