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December 2019, Lucia accepted an invitation from friends to go snowboarding. Lucla did everything right: took a lesson, stayed on trails well within er skill level, and maintained an awareness of people and objects near her. Even though she thought it was a bit dorky to wear wrist guards and a elmet, her friends insisted that she take standard and reasonable safety measures. ucia was enjoying the day when, from out of nowhere (actually, the woods), came an out of control skier who ren into Lucia. Lucia was injured and taken to the nearest hospital by ambulance. Lucla's injuries included a broken wrist and elbow as well as cuts and brulses, of biggest concern was the uncertainty of her head injury. Lucia spent a couple of days in intensive care. Fortunately, she didn't have a broken skull, but did have a concussion. Surgery was performed to repair the broken wrist and elbow. Since Lucia was in good health, her recovery was complete. Lucla returned to full function in about six months. Soon after Lucia returned home, however, the medical bills for the ambulance, emergency room, intensive care, medications, doctors, tests, and other services arrived. Lucla also had to have physical therapy for her wrist and elbow. Her total medical expenses were $40,000. It was time to find out if all those premiums paid since 2016 would pay off for just one, albeit dramatic, incident. Overall, Luca's insurance paid 85% of the total medical expenses, thus making her responsible for \% of the expenses, or . Lucia's insurance paid Her out-of-pocket expenses for the accident of plus the 2019 insurance premiums of totaled If wela had canceled her health insurance at the end of 2018, her out-of-pocket expenses for the accident would have been case, did Lucla benefit from having health insurance? What are reasonable morals of the story? Check all that apply. Don't get sick. Your heath can change in an instant. Avoid engaging in physical activity. It can be finenciaily risky to go without health insurance

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