In December 2019, Neha accepted an invitation from friends to go snowboarding. Neha 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 heimlet, her friends insisted that she take standard and reasonable safety measures. Neha was enjoying the day when, from out of nowhere (actually, the woods), came an out of control skier who ran into Neha. Neha was injured and taken to the nearest hospitai by ambulance. Neha's injuries included a broken wrist and elbow as well as cuts and bruises. Of biggest concern was the uncertainty of her head injury, Neha spent a couple of days in intensive care. Fortunately, she didn't have a broken skull, but did have a concuision. Surgery was performed to repair the broken wrist and elbow. Since Neha was in good health, her recovery was complete. Neha returned to full function in about six months. Soon after Neho returned home, however, the medical bills for the ambulance, emergency room, intensive care, medications, doctors, tents, and other services arrived, Neha aiso had to heve physical therapy for her wrist and elbow. Her total medical expenses were $35,000. It was time to find out if all those premiums paid since 2016 would pay off for just one, aibeit dramatic, incident. Overall, Neha's insurance paid go\% of the total medical expenses, thus making her responsible for . Neha's insurance paid Her out-of-pocket expenses for the accident of \% of the expenses, or If Neha had canceled her health insurance at the end of 2018, hor out-of-pocket expenses for the accident would have been case, did Noha benefit from having health insurance? plus the 2019 insurance premiums of totaled What are reasonable morals of the story? Check all that apply. It can be financially risky to go without health insurance. Think long and hard about the best tradooff of coverage and cost in a health care plan. Avoid engaging in physical activity. Your heatth can change in an instant. Never leave the house. Some employers pay part or all of the health insurance premiums for employees who are enrolled in one of the company's sponsored plans. Assume that during the same time period that Neha paid for her premiums in full that she had, instead, worked for a firm that paid 75% of her premiums for the same coverage, Instead of paying premiums of over the years, Neha would have paid and saved In this case, Neha's out-of-pocket oxpenses specific to her snowboardina accident would have been they actually were because