The Baulding family has a basic health insurance plan that pays 80 percent of out-of-hospital expenses after a deductible of $250 per person three family members have doctor and prescription drug expenses of $450, 51,434, and $201 respectively, how much will the Baulding family and the insurance company each pay? How could they bonefit from a flexible spending account established through Mr. Baulding's employer? What are the advantages and disadvantages of ostablishing such an account? The Baulding family will pay $(Round to the nearest dollar)