The Baulding family has a basic health insurance plan that pays $80$ percent of out$-$of$-$hospital expenses after a deductible of $$250$ per person. If three family members have doctor and prescription drug expenses of $$616,$$$1,754,$ and $$213,$ respectively, how much will the Baulding family and the insurance company each pay? How could they benefit from a flexible spending account established through Mr$.$ Baulding's employer? What are the advantages and disadvantages of establishing such an account?

The Baulding family will pay $ $.($Round to the nearead dollar.$)$