Health Medical Homework Help

I’m working on a health & medical project and need an explanation and answer to help me learn.

As a community advocate you encounter a citizen seeking advice on the purchase of health insurance. This person is a 42 year old with 3 children and has diabetes. The individual has just become employed and the new job offers several varieties of insurance which the employer will partially subsidize. This person has never had health insurance before now. 

In your paper describe the basic elements of health insurance including premiums, copays and benefits. Make a general recommendation regarding a policy based on HMO, PPO or POS and which might be best for this individual.