Chucks health insurance requires payment of an annual deductible of $500 per person or $1,000 per family. After meeting the deductible, he must pay 20% of covered charges until he reaches $4,200 out of pocket, after which the insurer will pay 100% of the costs. Chuck has had no other claims during the year. Zoey, his daughter, fell from a playground swing set and requires emergency surgery. The hospital stay costs $20,000. How much will he end up paying out of pocket?

$4,200

$3,900

$4,000

$4,400