Except for an occasional minor illness requiring a doctor's attention, a drug prescription, and periodic, routine tests, Yvette enjoyed good health during those years. Because she had no reason to think that would change, by the end of 2018 , Yvette was considering dropping her health insurance coverage. After all, she could think of a lot of other uses for the thousands of dollars she spent each year on increasing premiums. Yette decided to pay premiums for another year but planned to take another look at her health care plan at the end of 2019. It Could Happen to You, It Could Happen to Me In December 2019, Yvette accepted an invitation from friends to go snowboarding. Yvette did everything right: took a lesson, stayed on trails well within her skill level, and maintained an awareness of people and objects near her. Even though she thought it was a bit dorky to wear wrist guards and a helmet, her friends insisted that she take standard and reasonable safety measures. Yvette was enjoying the day when, from out of nowhere (actually, the woods), came an out of control skier who ran into Yvette. Yvette was injured and taken to the nearest hospital by ambulance. Yvette's injuries included a broken wrist and elbow as well as cuts and bruises. Of biggest concern was the uncertainty of her head injury. Yvette spent a couple of days in intensive care. Fortunately, she didn't have a broken skull, but did have a concussion. Surgery was performed to repair the broken wrist and elbow. Since Yvette was in good health, her recovery was complete. Yvette returned to full function in about six months. Soon after Yvette returned home, however, the medical bills for the ambulance, emergency room, intensive care, medications, doctors, tests, and other services arrived. Yvette also had to have physical therapy for her wrist and elbow. Her total medical expenses were $40,000. It was time to find out if all those premiums paid since 2016 would pay off for just one, albeit dramatic, incident. Overall, Yvette's insurance paid 75% of the total medical expenses, thus making her responsible for . Yvette's insurance paid Her out-of-pocket expenses for the accident of plus the 2019 insurance premiums of totaled If Yvette had canceled her health insurance at the end of 2018, her out-of-pocket expenses for the accident would have been . In this case, did Yvette benefit from having health insurance? Except for an occasional minor illness requiring a doctor's attention, a drug prescription, and periodic, routine tests, Yvette enjoyed good health during those years. Because she had no reason to think that would change, by the end of 2018 , Yvette was considering dropping her health insurance coverage. After all, she could think of a lot of other uses for the thousands of dollars she spent each year on increasing premiums. Yette decided to pay premiums for another year but planned to take another look at her health care plan at the end of 2019. It Could Happen to You, It Could Happen to Me In December 2019, Yvette accepted an invitation from friends to go snowboarding. Yvette did everything right: took a lesson, stayed on trails well within her skill level, and maintained an awareness of people and objects near her. Even though she thought it was a bit dorky to wear wrist guards and a helmet, her friends insisted that she take standard and reasonable safety measures. Yvette was enjoying the day when, from out of nowhere (actually, the woods), came an out of control skier who ran into Yvette. Yvette was injured and taken to the nearest hospital by ambulance. Yvette's injuries included a broken wrist and elbow as well as cuts and bruises. Of biggest concern was the uncertainty of her head injury. Yvette spent a couple of days in intensive care. Fortunately, she didn't have a broken skull, but did have a concussion. Surgery was performed to repair the broken wrist and elbow. Since Yvette was in good health, her recovery was complete. Yvette returned to full function in about six months. Soon after Yvette returned home, however, the medical bills for the ambulance, emergency room, intensive care, medications, doctors, tests, and other services arrived. Yvette also had to have physical therapy for her wrist and elbow. Her total medical expenses were $40,000. It was time to find out if all those premiums paid since 2016 would pay off for just one, albeit dramatic, incident. Overall, Yvette's insurance paid 75% of the total medical expenses, thus making her responsible for . Yvette's insurance paid Her out-of-pocket expenses for the accident of plus the 2019 insurance premiums of totaled If Yvette had canceled her health insurance at the end of 2018, her out-of-pocket expenses for the accident would have been . In this case, did Yvette benefit from having health insurance