Final answer:
The expected value for healthcare costs requires a detailed analysis of probabilities and associated costs, which are not provided in this question. Therefore, it is not possible to determine the correct expected value of healthcare with or without insurance from the given options.
Step-by-step explanation:
The expected value for healthcare costs, whether with insurance or without, is determined by accounting for the cost of healthcare services and the probability of those services being utilized over a given time period. To determine the expected value, you would use the probabilities of the different healthcare events occurring and multiply them by their respective costs, adding those figures up to get a weighted average.
Unfortunately, the student's question does not provide the necessary probabilities or cost figures, thus preventing the calculation of the expected values for healthcare with and without insurance. Without this detailed information, we are unable to definitively answer which of the provided options (A, B, C, or D) reflects the correct expected value of each option.