Rita obtains a major medical and hospital health insurance policy that covers all costs except for a $1,000 annual deductible and a 20% coinsurance (or copayment) rate for all additional expenses. If Rita incurs health care expenses of $4,000 overall during a plan year, how much will Rita's health insurance company owe? O less than $1,000 O between $2,000 and $2,999 O between $1,000 and $1,999 O more than $3,000