Some employers pay part or all of the health insurance premiums for employees who are enrolled in one of the company's sponsored plans. Assume that during the same time period that Antonio paid for his premiums in full that he had, instead, worked for a firm that paid 50% of his premiums for and saved the same coverage. Instead of paying premiums of over the years, Antonio would have paid S S In this case, Antonio's out-of-pocket expenses specific to his snowboarding accident would have been they actually were because