As of right now, his insurable interest is himself specifically his health. There are a few insurable risks he may face. One risk is that he is a smoker, which can be detrimental to his health. His family also has a history with health risks as his mother has diabetes and he is slightly over weight. His father has had two heart attacks in the last five years. And the last risk is he has three potential cavities. For his current coverage he has 20/80, which is where he will pay 20% and his insurer will pay 80% of all costs. He also has a $10 co-pay, which he will pay on prescriptions and doctor visits. The last type is his single person’s $200 out of pay cost that he would pay for only part of the year. I would recommend getting dental