Assumptions: income replaced as level annual payments, constant return, no tax or inflation. Limitation: excludes many personal factors; not a recommendation of any amount.
Assumptions: one year, all costs in-network and covered, no co-pays or subsidies. Limitation: real claims vary; exclusions and network rules are not modelled.
Assumptions: simple point weights chosen for illustration, not actuarial. Limitation: not an insurer's risk rating; contents, liability and local hazards are not modelled.