Indicating that students can choose their percent of deductible. by making spreadsheet that student's could fill in, first perhaps with their expected health cost. And then by taking that number and see what % of coverage makes the most sense. A low cost person would choose a high deductible for instance. also making some additional assumptions (as you do with their income). I need to do this on excel ( any numbers for the expected health cost is okay as long as the formulas make sense)