It Could Happen to You, It Could Happen to Me In December 2019, Manuel accepted an invitation from friends to go snowboarding, Manuel did everything right: took a lesson, stayed on trails well within his skill level, and maintained an awareness of people and objects near him. Even though he thought it was a bit dorky to wear wrist guards and a helmet, his friends insisted that he take standard and reasonable safety measures. Manuel was enjoying the day when, from out of nowhere (actually, the woods), came an out of control skier who ran into Manuel. Manuel was injured and taken to the nearest hospital by ambulance. Manuel's injuries included a broken wrist and elbow as well as cuts and bruises. Of biggest concern was the uncertainty of his head injury. Manuel spent a couple of days in intensive care. Fortunately, he didn't have a broken skull, but did have a concussion. Surgery was performed to repair the broken wrist and elbow. Since Manuel was in good health, his recovery was complete. Manuel returned to full function in about six months. Soon after Manuel returned home, however, the medical bills for the ambulance, emergency room, intensive care, medications, doctors, tests, and other services arrived. Manuel also had to have physical therapy for his wrist and elbow. Mis total medical expenses were $30,000. It was time to find out if all those premiums paid since 2016 would pay off for just one, albeit dramatic, incident. % of the expenses, or Overall, Manuel's Insurance paid 80% of the total medical expenses, thus making him responsible for ). Manuel's insurance paid His out-of-pocket expenses for the accident of 5 plus the 2019 insurance premiums of 5 totaled In this If Manuel had canceled his health insurance at the end of 2018, his out-of-pocket expenses for the accident would have been case, did Manuel benefit from having health insurance