In a given year, you have a .7% chance of having healthcare bills of $925,000, a 2.3% chance of bills of $720,000, a 17.9% chance of bills of $8,500, a 42% chance of bills of $2,100, and a 37.1% chance of bills of $0. What is your expected spending? Would you be willing to purchase health insurance coverage for $6,250? Why or why not?