Abstract: An option and choice framework method, apparatus and system is presented. It is a decision-support tool to help a user decide which option and coverage choice is best suited for his or her needs, from a multitude of available options or choices. The analysis of each option is based on responses provided by the user to various questions. Suitability of an option is based on a weighted score of questions and responses, mapped to various options, as well as an analysis of the options suitability (pros and cons) based on responses. The tool is dynamic in nature, as more options as well as more user inputs can be added to the tool over time.