Paul's health insurance requires payment of an annual deductible of $500 per person or $1000 per family. After meeting the deductible, he must pay 20% of covered charges until he reaches $4200 out of pocket, after which the insurer will pay 100% of the costs. Paul has had no other claims during the year. Zoey, his daughter, fell from a play ground swing set and requires emergency surgery. The hospital stay costs $22600. How much will he end up paying out of pocket? $4420 $4000 $4920 $4200