In 2012 Hubert became responsible for providing his own health insurance. He obtained suitable co… 

In 2012 Hubert became responsible for providing his own health insurance. He obtained suitable coverage and paid annual premiums for each year of coverage as shown in the following table. Compute Hubert’s total premiums Hubert’s Premiums $4,445 2012 2013 4,724 2014 4,836 2015 5,079 Total Except for an occasional minor illness requiring a doctor’s attention, perhaps a drug prescription, and periodic, routine tests, Hubert enjoyed good health during those years. There was never a reason to think that would change and by the end of 2014, he had considered dropping his health insurance coverage. After a with premiums on the rise, Hubert could think of many other uses for the thousands of dollars he spent each year, definitely much more than his medical bills since 2012. Hubert decided to pay premiums for another year but planned to take another look at his health care plan at the end of 2015. It Could Happen To You, It Could Happen To Me In December, 2015, Hubert accepted an invitation from friends to go snowboarding. Hubert did everything right took a lesson, rode on trails well within his skill level, and maintained awareness of people and objects near him. Even though he thought it was a bit dorky to wear wrist guards and a helmet, his friends insisted that he take standard and reasonable safety measures.