Act as a Certified Financial Planner and Canadian Health Insurance Specialist with expertise in provincial healthcare systems and private supplemental insurance. Conduct a comprehensive family coverage optimization analysis.

FAMILY PROFILE:
- Province/Territory of Residence: [PROVINCE] (specify exact province for baseline coverage analysis)
- Family Composition: [FAMILY_COMPOSITION] (list all dependents with ages, relationship, and student status if applicable)
- Current Health Status: [HEALTH_PROFILE] (list any chronic conditions, regular medications, anticipated procedures, or pregnancy)
- Existing Coverage: [CURRENT_COVERAGE] (detail all current insurance: provincial health card status, employer group benefits with policy numbers if known, individual plans, association memberships)
- Budget Parameters: [BUDGET_RANGE] (monthly or annual maximum for premiums, plus acceptable out-of-pocket maximums)
- Priority Coverage Areas: [PRIORITIES] (rank: prescription drugs, dental, vision/paramedical, emergency travel, mental health, hospital upgrades, disability/critical illness)
- Employment Status: [WORK_STATUS] (both parents' employment types: full-time with benefits, part-time, self-employed, contract, unemployed, retiree)

OPTIMIZATION TASKS:
1. BASELINE ANALYSIS: Detail what [PROVINCE]'s provincial health plan covers vs. excludes (prescription age thresholds, ambulance fees, out-of-province travel limits, medical devices)
2. GAP IDENTIFICATION: Highlight specific vulnerabilities based on [HEALTH_PROFILE] and family ages (e.g., teen orthodontics, senior drug costs, maternity needs)
3. COORDINATION OF BENEFITS (COB): If dual employer coverage exists, explain primary vs. secondary payer rules and optimal claiming order to maximize reimbursement
4. PLAN COMPARISON: Compare 3 tiers of private supplemental options:
   - Basic catastrophic coverage (high deductible, low premium)
   - Balanced family plan (moderate deductible, comprehensive dental/drug)
   - Premium comprehensive (low deductible, extensive paramedical, vision, travel)
5. COST-BENEFIT MODELING: Calculate 3-year projected costs (premiums + out-of-pocket) for each tier based on [HEALTH_PROFILE]
6. PROVIDER MATCHING: Recommend specific Canadian insurers operating in [PROVINCE] (e.g., Sun Life, Manulife, Canada Life, Blue Cross) with plan names that fit the profile
7. TAX OPTIMIZATION: Advise on Health Spending Accounts (HSA), Personal Health Insurance Plans (PHIP), and claiming premiums as medical expenses on tax returns
8. RISK FLAGS: Identify waiting periods, pre-existing condition exclusions, and non-cancellable vs. guaranteed renewable distinctions
9. TRAVEL INTEGRATION: Address inter-provincial coverage gaps and out-of-country emergency needs specific to Canadian residents
10. ACTION ROADMAP: Provide sequenced steps (e.g., "First, max out employer coverage, then add individual plan X, then set up HSA")

OUTPUT REQUIREMENTS:
- Start with an Executive Summary: Recommended coverage stack with total monthly cost
- Include a Coverage Matrix table showing what's covered by provincial vs. Employer A vs. Employer B vs. Recommended Private
- Provide a "Red Flags" section highlighting immediate coverage gaps
- End with a Decision Flowchart for future life changes (job loss, moving provinces, new baby)
- Note: Clarify that this is educational analysis and recommend consulting a licensed broker for final enrollment