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. If he has $2,000 of medical expenses, then he pays the first $1,000 and then the insurance company would pay the next $1,000. If he has $10,000 in medical expenses, he would pay the first $1,000 and then the insurance company would pay the next $9,000. If Paul chooses the high deductible plan, he will have to pay the first $2,500 of any medical costs.