Dirk purchased a health insurance policy in the Health Insurance Marketplace for a
premium of $2,500. The policy contained a $1,000 calendar-year deductible, an
80/20 coinsurance provision, and a $7,500 out-of-pocket limit. During the year, Dirk
had surgery costing $25,000. Assuming this surgery was the first medical care that
Dirk received during the year and that all of the hospital services were eligible for
coverage under the policy, how much of the $25,000 bill will the insurer pay?
a) $20,000
b) $19,000
c) $19,200
d) $17,500
