It Could Happen to You, It Could Happen to Me In December 2019, Hilary accepted an irvitation from friends to go showboarding. Hary did everything right: took a lessan, stayed on trails well within her skill level, and maintained an awareness of people and objects near her, Even though she theught it was a bi derky to wear wrist gardt and a heimet, her friends insisted that she take standard and reasonable safety measures; Hilary was enjoying the day when, from out of nowhere (actually, the woods), came an out of contral skier who ran into telary. Hiary aas injured and faken to the nearest hospital by ambulance. Hilary's injuries included a broken wrist and elbow as well as cuts and bruises. Of biggest concem was the uncertainty of her head injury. Hiary spert a couple of days in intensive care. Fortunately, she didn't have a broken skull, but did have a concussion. Surgery was pertormed to repuir the broken wrist and elbow, Since hilary was in good health, her recovery was complete. Hilary returned to full function in about six mocths. Soon after Hilary retumed heme, homever, the medical bills for the ambutance, emergency rocm, intensive care, mecications, doctors, textr, and other services arrived. Hilery aiso had to have physical therapy for her wrist and elbow. Her total medical expences were s40,000. it nas time to find out if all those premiums pald since 2016 would pay off for just one, abeit dramatic, incident, Overail, Hilary's insurance paid 75% of the total medical expenses, thus making her responsible for: W of the experses, or Hilary's insurance paid Her cut-of-pocket expenses for the accident of plus the 2019 insurance premioms of totaled If Hilary had canceled her health insurance at the end of 2018 , her out-of-pocket experises for the accident would have been ease, did Hilary benefit from having health insurance? What are reasonable morals of the story? Cneck aif that apply. What are reasonable morals of the story? Check all that apply. Avold engaging in physical activity. Never leave the house. Think long and hard about the best tradeoff of coverage and cost in a health care plan, Don't get sick, Your health can change in an instant. Some employers pay part or all of the health insurance premiums for employees who are enrolled in one of the companys sponsored plans. Atsume that during the same time period that Hilary paid for her premiums in full that she had, instesd, worked for a firm that paid 75% of her premiunts for the same coverage. Instead of paying premiums of over the years, Hilary would have paid and saved In this case, Hilary's out-of-pocket expenses specific to her snowboarding accident would have been