Jacques's injuries included a broken wrist and elbow as well as cuts and bruises. Of biggest concern was the uncertainty of his head injury, Jacques

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 Jacques was in good health, his recovery was complete. Jacques returned to full function in about six months.

Soon after Jacques returned home, however, the medical bills for the ambulance, emergency room, intensive care, medications, doctors, tests, and

other services arrived. Jacques also had to have physical therapy for his wrist and elbow. His total medical expenses were $$35,000.$ It was time to find

out if all those premiums paid since $2020$ would pay off for just one, albeit dramatic, incident.

Overall, Jacques's insurance paid $80\%$ of the total medical expenses, thus making him responsible for

$\%$ of the expenses, or

Jacques's insurance paid

His out$-$of$-$pocket expenses for the accident of

plus the $2023$ insurance premiums of

totaled

If Jacques had canceled his health insurance at the end of $2022,$ his out$-$of$-$pocket expenses for the accident would have been

In $$

this case, did Jacques benefit from having health insurance?

$.$

What are reasonable morals of the story? Check all that apply.

Never leave the house.

Don't get sick.