Consider a relatively simple health insurance plan with the following provisions. office visits require a co-payment of $20. emergency room visits have a $350 co-payment. surgical operations have a $2,000 deductible (the first $2,000 is paid out of pocket). the monthly premium is $400. during a one-year period, somebody insured by this health insurance has the expenses shown to the right. a. determine the person's health care expenses for the year with the insurance policy. the person's health care expenses with the insurance policy are $ b. determine the person's health care expenses for the year without the insurance policy. the person's health care expenses without the insurance policy are $