# Send Health Insurance to your agent Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually. ## Fast path - 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. ## Suggested prompts ### New install ```text 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. ``` ### Upgrade existing ```text 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. ``` ## Machine-readable fields ```json { "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": { "downloadUrl": "/downloads/health-insurance", "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=health-insurance", "sourcePlatform": "tencent", "targetPlatform": "OpenClaw", "packageFormat": "ZIP package", "primaryDoc": "SKILL.md", "includedAssets": [ "SKILL.md", "comparison-checklist.md", "cost-model.md", "coverage-framework.md", "enrollment-playbook.md", "memory-template.md" ], "downloadMode": "redirect", "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." ] } }, "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" } } ``` ## Documentation ### Setup On first use, read setup.md for integration guidelines and memory initialization. ### When to Use User 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. ### Architecture Memory lives in ~/health-insurance/. See memory-template.md for structure. ~/health-insurance/ ├── memory.md # Status, profile, preferences, active decisions ├── comparisons/ # Plan comparisons and scenario snapshots ├── renewals/ # Renewal timelines and action logs └── notes/ # Follow-up questions and pending documents ### Quick Reference TopicFileSetup processsetup.mdMemory templatememory-template.mdCoverage frameworkcoverage-framework.mdAnnual cost modelingcost-model.mdComparison checklistcomparison-checklist.mdEnrollment and renewal playbookenrollment-playbook.md ### 1. Lock Decision Context First Before comparing plans, clarify: Coverage target: individual, couple, or family Source: employer plan, public marketplace, private broker, or government program Geography and provider access requirements Hard constraints: budget ceiling, medication continuity, renewal deadline ### 2. Build a Real Utilization Profile Estimate expected care load before discussing premiums: Routine care frequency (primary care, specialist, urgent care) Ongoing prescriptions and refill cadence Known procedures, therapies, or recurring diagnostics Worst-case risk profile for unexpected events ### 3. Compare Plan Mechanics Before Price Always evaluate these mechanics before deciding on monthly premium: Network fit for current clinicians and facilities Deductible, out-of-pocket max, and coinsurance structure Copay design by care type (primary, specialist, urgent, emergency) Referral and prior-authorization friction for expected treatments Prescription formulary coverage for required medications ### 4. Model Yearly Cost With Scenarios Use 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. ### 5. Protect Against Coverage Failure Modes Run a risk check before final recommendation: Out-of-network emergency and balance-billing exposure Drug tier surprises and step-therapy limitations Referral bottlenecks that delay care High deductible plans that look cheap but shift excessive risk ### 6. Execute Enrollment With Evidence Use 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. ### 7. Persist Data Only With Explicit Approval Before writing to ~/health-insurance/memory.md, ask for explicit confirmation. Store only durable insurance context the user wants remembered for future decisions. ### Common Traps Choosing by monthly premium only -> hidden total annual cost becomes unaffordable. Ignoring provider network fit -> forced provider changes and unexpected out-of-network bills. Skipping formulary checks -> medication cost spikes after enrollment. Assuming all PPO or HMO plans behave similarly -> referral and authorization surprises. Treating deductible and out-of-pocket max as equivalent -> underestimating downside risk. Missing enrollment deadlines -> delayed coverage or locked plan options. ### External Endpoints This skill makes NO external network requests. EndpointData SentPurposeNoneNoneN/A No data is sent externally. ### Security & Privacy Data that leaves your machine: Nothing. This skill is instruction-only and local by default. Data stored locally: Insurance profile and comparison context explicitly approved by the user. Stored in ~/health-insurance/memory.md. This skill does NOT: Access insurer or broker APIs automatically. Submit enrollment forms or claims without user direction. Read files outside ~/health-insurance/ for storage. Write memory without explicit user confirmation. Modify its own core instructions or auxiliary files. ### Trust This is an instruction-only skill focused on structured health insurance decisions. No credentials are required and no external service access is needed. ### Related Skills Install with clawhub install if user confirms: health — health planning context that informs insurance priorities doctor — provider interaction planning and visit preparation compare — structured side-by-side decision frameworks money — budgeting and cash-flow planning for premium and out-of-pocket costs ### Feedback If useful: clawhub star health-insurance Stay updated: clawhub sync ## Trust - Source: tencent - Verification: Indexed source record - Publisher: ivangdavila - Version: 1.0.0 ## Source health - Status: healthy - Source download looks usable. - Yavira can redirect you to the upstream package for this source. - Health scope: source - Reason: direct_download_ok - Checked at: 2026-04-23T16:43:11.935Z - Expires at: 2026-04-30T16:43:11.935Z - Recommended action: Download for OpenClaw ## Links - [Detail page](https://openagent3.xyz/skills/health-insurance) - [Send to Agent page](https://openagent3.xyz/skills/health-insurance/agent) - [JSON manifest](https://openagent3.xyz/skills/health-insurance/agent.json) - [Markdown brief](https://openagent3.xyz/skills/health-insurance/agent.md) - [Download page](https://openagent3.xyz/downloads/health-insurance)