{
  "schemaVersion": "1.0",
  "item": {
    "slug": "health-insurance",
    "name": "Health Insurance",
    "source": "tencent",
    "type": "skill",
    "category": "数据分析",
    "sourceUrl": "https://clawhub.ai/ivangdavila/health-insurance",
    "canonicalUrl": "https://clawhub.ai/ivangdavila/health-insurance",
    "targetPlatform": "OpenClaw"
  },
  "install": {
    "downloadMode": "redirect",
    "downloadUrl": "/downloads/health-insurance",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=health-insurance",
    "sourcePlatform": "tencent",
    "targetPlatform": "OpenClaw",
    "installMethod": "Manual import",
    "extraction": "Extract archive",
    "prerequisites": [
      "OpenClaw"
    ],
    "packageFormat": "ZIP package",
    "includedAssets": [
      "SKILL.md",
      "comparison-checklist.md",
      "cost-model.md",
      "coverage-framework.md",
      "enrollment-playbook.md",
      "memory-template.md"
    ],
    "primaryDoc": "SKILL.md",
    "quickSetup": [
      "Download the package from Yavira.",
      "Extract the archive and review SKILL.md first.",
      "Import or place the package into your OpenClaw setup."
    ],
    "agentAssist": {
      "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.",
      "steps": [
        "Download the package from Yavira.",
        "Extract it into a folder your agent can access.",
        "Paste one of the prompts below and point your agent at the extracted folder."
      ],
      "prompts": [
        {
          "label": "New install",
          "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete."
        },
        {
          "label": "Upgrade existing",
          "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run."
        }
      ]
    },
    "sourceHealth": {
      "source": "tencent",
      "status": "healthy",
      "reason": "direct_download_ok",
      "recommendedAction": "download",
      "checkedAt": "2026-04-23T16:43:11.935Z",
      "expiresAt": "2026-04-30T16:43:11.935Z",
      "httpStatus": 200,
      "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard",
      "contentType": "application/zip",
      "probeMethod": "head",
      "details": {
        "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard",
        "contentDisposition": "attachment; filename=\"4claw-imageboard-1.0.1.zip\"",
        "redirectLocation": null,
        "bodySnippet": null
      },
      "scope": "source",
      "summary": "Source download looks usable.",
      "detail": "Yavira can redirect you to the upstream package for this source.",
      "primaryActionLabel": "Download for OpenClaw",
      "primaryActionHref": "/downloads/health-insurance"
    },
    "validation": {
      "installChecklist": [
        "Use the Yavira download entry.",
        "Review SKILL.md after the package is downloaded.",
        "Confirm the extracted package contains the expected setup assets."
      ],
      "postInstallChecks": [
        "Confirm the extracted package includes the expected docs or setup files.",
        "Validate the skill or prompts are available in your target agent workspace.",
        "Capture any manual follow-up steps the agent could not complete."
      ]
    },
    "downloadPageUrl": "https://openagent3.xyz/downloads/health-insurance",
    "agentPageUrl": "https://openagent3.xyz/skills/health-insurance/agent",
    "manifestUrl": "https://openagent3.xyz/skills/health-insurance/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/health-insurance/agent.md"
  },
  "agentAssist": {
    "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.",
    "steps": [
      "Download the package from Yavira.",
      "Extract it into a folder your agent can access.",
      "Paste one of the prompts below and point your agent at the extracted folder."
    ],
    "prompts": [
      {
        "label": "New install",
        "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete."
      },
      {
        "label": "Upgrade existing",
        "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run."
      }
    ]
  },
  "documentation": {
    "source": "clawhub",
    "primaryDoc": "SKILL.md",
    "sections": [
      {
        "title": "Setup",
        "body": "On first use, read setup.md for integration guidelines and memory initialization."
      },
      {
        "title": "When to Use",
        "body": "User needs help choosing, comparing, or renewing health insurance coverage.\nAgent evaluates medical usage patterns, estimates yearly costs across plan types, and recommends a plan strategy with clear trade-offs."
      },
      {
        "title": "Architecture",
        "body": "Memory lives in ~/health-insurance/. See memory-template.md for structure.\n\n~/health-insurance/\n├── memory.md         # Status, profile, preferences, active decisions\n├── comparisons/      # Plan comparisons and scenario snapshots\n├── renewals/         # Renewal timelines and action logs\n└── notes/            # Follow-up questions and pending documents"
      },
      {
        "title": "Quick Reference",
        "body": "TopicFileSetup processsetup.mdMemory templatememory-template.mdCoverage frameworkcoverage-framework.mdAnnual cost modelingcost-model.mdComparison checklistcomparison-checklist.mdEnrollment and renewal playbookenrollment-playbook.md"
      },
      {
        "title": "1. Lock Decision Context First",
        "body": "Before comparing plans, clarify:\n\nCoverage target: individual, couple, or family\nSource: employer plan, public marketplace, private broker, or government program\nGeography and provider access requirements\nHard constraints: budget ceiling, medication continuity, renewal deadline"
      },
      {
        "title": "2. Build a Real Utilization Profile",
        "body": "Estimate expected care load before discussing premiums:\n\nRoutine care frequency (primary care, specialist, urgent care)\nOngoing prescriptions and refill cadence\nKnown procedures, therapies, or recurring diagnostics\nWorst-case risk profile for unexpected events"
      },
      {
        "title": "3. Compare Plan Mechanics Before Price",
        "body": "Always evaluate these mechanics before deciding on monthly premium:\n\nNetwork fit for current clinicians and facilities\nDeductible, out-of-pocket max, and coinsurance structure\nCopay design by care type (primary, specialist, urgent, emergency)\nReferral and prior-authorization friction for expected treatments\nPrescription formulary coverage for required medications"
      },
      {
        "title": "4. Model Yearly Cost With Scenarios",
        "body": "Use cost-model.md to calculate low, expected, and high-use annual totals.\nInclude premium, deductible exposure, copays, coinsurance, and non-covered risk.\nRecommend using expected-cost and downside-risk together, not premium alone."
      },
      {
        "title": "5. Protect Against Coverage Failure Modes",
        "body": "Run a risk check before final recommendation:\n\nOut-of-network emergency and balance-billing exposure\nDrug tier surprises and step-therapy limitations\nReferral bottlenecks that delay care\nHigh deductible plans that look cheap but shift excessive risk"
      },
      {
        "title": "6. Execute Enrollment With Evidence",
        "body": "Use enrollment-playbook.md to define exact actions, deadlines, and proof artifacts.\nStore plan IDs, effective dates, and support contacts for appeal or billing disputes.\nNever claim enrollment is complete without confirmation evidence."
      },
      {
        "title": "7. Persist Data Only With Explicit Approval",
        "body": "Before writing to ~/health-insurance/memory.md, ask for explicit confirmation.\nStore only durable insurance context the user wants remembered for future decisions."
      },
      {
        "title": "Common Traps",
        "body": "Choosing by monthly premium only -> hidden total annual cost becomes unaffordable.\nIgnoring provider network fit -> forced provider changes and unexpected out-of-network bills.\nSkipping formulary checks -> medication cost spikes after enrollment.\nAssuming all PPO or HMO plans behave similarly -> referral and authorization surprises.\nTreating deductible and out-of-pocket max as equivalent -> underestimating downside risk.\nMissing enrollment deadlines -> delayed coverage or locked plan options."
      },
      {
        "title": "External Endpoints",
        "body": "This skill makes NO external network requests.\n\nEndpointData SentPurposeNoneNoneN/A\n\nNo data is sent externally."
      },
      {
        "title": "Security & Privacy",
        "body": "Data that leaves your machine:\n\nNothing. This skill is instruction-only and local by default.\n\nData stored locally:\n\nInsurance profile and comparison context explicitly approved by the user.\nStored in ~/health-insurance/memory.md.\n\nThis skill does NOT:\n\nAccess insurer or broker APIs automatically.\nSubmit enrollment forms or claims without user direction.\nRead files outside ~/health-insurance/ for storage.\nWrite memory without explicit user confirmation.\nModify its own core instructions or auxiliary files."
      },
      {
        "title": "Trust",
        "body": "This is an instruction-only skill focused on structured health insurance decisions.\nNo credentials are required and no external service access is needed."
      },
      {
        "title": "Related Skills",
        "body": "Install with clawhub install <slug> if user confirms:\n\nhealth — health planning context that informs insurance priorities\ndoctor — provider interaction planning and visit preparation\ncompare — structured side-by-side decision frameworks\nmoney — budgeting and cash-flow planning for premium and out-of-pocket costs"
      },
      {
        "title": "Feedback",
        "body": "If useful: clawhub star health-insurance\nStay updated: clawhub sync"
      }
    ],
    "body": "Setup\n\nOn first use, read setup.md for integration guidelines and memory initialization.\n\nWhen to Use\n\nUser needs help choosing, comparing, or renewing health insurance coverage. Agent evaluates medical usage patterns, estimates yearly costs across plan types, and recommends a plan strategy with clear trade-offs.\n\nArchitecture\n\nMemory lives in ~/health-insurance/. See memory-template.md for structure.\n\n~/health-insurance/\n├── memory.md         # Status, profile, preferences, active decisions\n├── comparisons/      # Plan comparisons and scenario snapshots\n├── renewals/         # Renewal timelines and action logs\n└── notes/            # Follow-up questions and pending documents\n\nQuick Reference\nTopic\tFile\nSetup process\tsetup.md\nMemory template\tmemory-template.md\nCoverage framework\tcoverage-framework.md\nAnnual cost modeling\tcost-model.md\nComparison checklist\tcomparison-checklist.md\nEnrollment and renewal playbook\tenrollment-playbook.md\nCore Rules\n1. Lock Decision Context First\n\nBefore comparing plans, clarify:\n\nCoverage target: individual, couple, or family\nSource: employer plan, public marketplace, private broker, or government program\nGeography and provider access requirements\nHard constraints: budget ceiling, medication continuity, renewal deadline\n2. Build a Real Utilization Profile\n\nEstimate expected care load before discussing premiums:\n\nRoutine care frequency (primary care, specialist, urgent care)\nOngoing prescriptions and refill cadence\nKnown procedures, therapies, or recurring diagnostics\nWorst-case risk profile for unexpected events\n3. Compare Plan Mechanics Before Price\n\nAlways evaluate these mechanics before deciding on monthly premium:\n\nNetwork fit for current clinicians and facilities\nDeductible, out-of-pocket max, and coinsurance structure\nCopay design by care type (primary, specialist, urgent, emergency)\nReferral and prior-authorization friction for expected treatments\nPrescription formulary coverage for required medications\n4. Model Yearly Cost With Scenarios\n\nUse cost-model.md to calculate low, expected, and high-use annual totals. Include premium, deductible exposure, copays, coinsurance, and non-covered risk. Recommend using expected-cost and downside-risk together, not premium alone.\n\n5. Protect Against Coverage Failure Modes\n\nRun a risk check before final recommendation:\n\nOut-of-network emergency and balance-billing exposure\nDrug tier surprises and step-therapy limitations\nReferral bottlenecks that delay care\nHigh deductible plans that look cheap but shift excessive risk\n6. Execute Enrollment With Evidence\n\nUse enrollment-playbook.md to define exact actions, deadlines, and proof artifacts. Store plan IDs, effective dates, and support contacts for appeal or billing disputes. Never claim enrollment is complete without confirmation evidence.\n\n7. Persist Data Only With Explicit Approval\n\nBefore writing to ~/health-insurance/memory.md, ask for explicit confirmation. Store only durable insurance context the user wants remembered for future decisions.\n\nCommon Traps\nChoosing by monthly premium only -> hidden total annual cost becomes unaffordable.\nIgnoring provider network fit -> forced provider changes and unexpected out-of-network bills.\nSkipping formulary checks -> medication cost spikes after enrollment.\nAssuming all PPO or HMO plans behave similarly -> referral and authorization surprises.\nTreating deductible and out-of-pocket max as equivalent -> underestimating downside risk.\nMissing enrollment deadlines -> delayed coverage or locked plan options.\nExternal Endpoints\n\nThis skill makes NO external network requests.\n\nEndpoint\tData Sent\tPurpose\nNone\tNone\tN/A\n\nNo data is sent externally.\n\nSecurity & Privacy\n\nData that leaves your machine:\n\nNothing. This skill is instruction-only and local by default.\n\nData stored locally:\n\nInsurance profile and comparison context explicitly approved by the user.\nStored in ~/health-insurance/memory.md.\n\nThis skill does NOT:\n\nAccess insurer or broker APIs automatically.\nSubmit enrollment forms or claims without user direction.\nRead files outside ~/health-insurance/ for storage.\nWrite memory without explicit user confirmation.\nModify its own core instructions or auxiliary files.\nTrust\n\nThis is an instruction-only skill focused on structured health insurance decisions. No credentials are required and no external service access is needed.\n\nRelated Skills\n\nInstall with clawhub install <slug> if user confirms:\n\nhealth — health planning context that informs insurance priorities\ndoctor — provider interaction planning and visit preparation\ncompare — structured side-by-side decision frameworks\nmoney — budgeting and cash-flow planning for premium and out-of-pocket costs\nFeedback\nIf useful: clawhub star health-insurance\nStay updated: clawhub sync"
  },
  "trust": {
    "sourceLabel": "tencent",
    "provenanceUrl": "https://clawhub.ai/ivangdavila/health-insurance",
    "publisherUrl": "https://clawhub.ai/ivangdavila/health-insurance",
    "owner": "ivangdavila",
    "version": "1.0.0",
    "license": null,
    "verificationStatus": "Indexed source record"
  },
  "links": {
    "detailUrl": "https://openagent3.xyz/skills/health-insurance",
    "downloadUrl": "https://openagent3.xyz/downloads/health-insurance",
    "agentUrl": "https://openagent3.xyz/skills/health-insurance/agent",
    "manifestUrl": "https://openagent3.xyz/skills/health-insurance/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/health-insurance/agent.md"
  }
}