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    They Don’t Insure Against Dumb

    | Texas, USA |

    (I work in a human resources call center. I’m walking an employee through electing her benefits online. She says she is getting an error message when she tries to save her changes.)

    Caller: “It says, ‘check here to opt out of health insurance or check here to select [insurance provider].’ What should I click?”

    Me: “Well, if you want to opt out of health insurance, click on the top one. If you want [insurance provider], click the bottom one.”

    Caller: “I don’t understand. What’s the difference between the two?”

    Me: “One is health insurance and the other one is no health insurance.”

    Caller: *pause* “Oh.”