For several years, Annie Brouck's employer has offered a traditional indem- nity plan for health care coverage for her- self, her husband Jim, and their children. Tess and Tasha. Annie and Jim are in their early 30s; their children are 10-year-old twins. Recently, the monthly premium for their insurance coverage has increased dramatically. Annie's employer has decided to offer a high-deductible health plan where the family will have an initial deductible of $5,000. The cost of this high- deductible plan has a monthly premium that is almost 50% lower than the indem- nity plan. Describe the steps Annie might follow in deciding whether to choose this plan or to remain with the more expensive indemnity plan.