They Don’t Insure Against Dumb

(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.”