According to a TransAmerica survey, the median amount of emergency savings in the US is around $$5,000.$ In many examples in the text, the family deductible can meet or exceed that amount not including co$-$insurance afterward. If your client has minimal funds in emergency savings, how would explain the urgency to set money aside for deductibles and co$-$insurance? Have you ever had to navigate health insurance deductibles and what was your experience?