We have to pay the first 350,- and all above is insured. Last year if you made no medical expense, you got 150,- premium back. They canned that.
I'd much rather pay all through insurance and none through taxes. Things should cost what they cost. Putting money on a money merry go round, ends up badly spent. For each dollar spent, two dollars need to be collected.
There are four ways to spend money and only one is the most effective
You spend your own money on yourself, this is the most efficient
You spend your own money on someone else, you tend to look at price and settle for less quality of the service or product
You spend someone else's money, you tend to go for quality of the product or service because price doesn't concern you
You spend money from someone else on someone else, this is the worst way to spend money, because you neither care about the price nor the quality of the product or service
Guess which category government spending falls in.