In which of the following scenarios is the individual paying an insurance premium?

When he had to get surgery, Ezra had to pay $4,000 out-of-pocket, after which his insurance began to cover the costs.

Each month,Laura pays $150 for health insurance coverage through her employer.

After paying up to $6,000 in medical bills for the year, Chrissy pays only 10% for each prescription.

When Ravi needed surgery, he had to pay the full $2,000 surgery cost because his insurance would only begin paying after $5,000.