The Ramos family has a basic health insurance plan that pays 80 percent ofout-of-hospital expenses after a deductible of$250 per person. If three family members have doctor and prescription drug expenses of$456, $1,690, and $196 respectively, how much will the Ramos family and the insurance company eachpay? How could they benefit from a flexible spending account established through Mr.Ramos employer? What are the advantages and disadvantages of establishing such anaccount?

The Ramos family will pay $______. (Round to the nearestdollar.)