The insurance company won't pay anything. If you have a deductible of $1,000 and your total medical costs are $1,200, you're going to pay the first $1,000 and then the insurance company will kick in after that. So with that out of the way, let's think about his two plans. If Paul chooses the low deductible plan, he will have to pay the first $1,000 of any, let me do that in purple, the first $1,000 of any medical costs. The low deductible plan costs $8,000 for a year. So in this situation, he's going to pay $8,000 to get the insurance. If he has $900 of medical expenses, the insurance company still pays nothing.