Flip has a health insurance plan that has a $500 deductible and 85% coinsurance.  Flip is hospitalized and the hospital bill is $30,000.  How much will insurance pay of the $30,000?  Both Danny and Kaela work at Comcast.  They each make $70,000 a year.  They also both experience $2,500 a year in out of pocket medical expenses.  Each have a 22% tax rate.  Danny does not contribute any money to a health care FSA.  Kaela contributes $2500.  How much does Kaela save in a year over Danny? Show the work for the calculation.