her insurance premiums are 150 per month.....there is 12 months in a year....so in 1 year, her premiums totaled : (150 * 12) = 1800
she paid a $ 500 deductible
she paid 20% of $ 3000 for the accident..
0.20 * 3000 = $ 600
therefore, her total healthcare expenses for 1 yr totaled :
1800 + 500 + 600 = $ 2900 <==