Assume your health insurance has a $500 deductible and a 10% co-pay. How much would you have to pay for a $800 medical bill, assuming this is the only charge you have for the entire year?Disability insurance costs roughly 1% a year for a 30-year old (It is probably double that for a 50-year old). What would be the annual cost of a $100,000 policy? Why is disability insurance more expensive than term life insurance?