My DH has medical and health insaurance through his company, yes it would be great to keep the amount we have to pay for the difference between family and individual but we have access to great doctor and care, low co-pays, etc. It does cost X amount a year, but the two years I got a DMD monthly for nothing, good doctors for all of us at $15 a visit, when DD pulled her shoulder out, wemnt to ER, had several follow-ups with a good doctor, well worth it. The power chair I'm getting has more bells and whistles I want than Govt. would give me. I know I'm lucky in my situation, see my cleaning woman, single mom with 2 kids can't afford it, but the quality of care she must accept from system for her and her kidsis not very good in my opinion. Unfair? Dreadfuuly. But since I can do it, will do for us, especially the kids.
When bad things happen or chances at working against the MonStter come up, want to be econically able. Hold on to making it mote possible. Not fair, but private insurance makes me believe that's possible. A friend had what I thought a terrible unethical doctor for his drug addiction who I feel prescribed things unethically, without proper needed supervision, and set him up 100% (in a low sucess rate area) for failure. Private insurance enabled me to concieve which cost big bucks over 15 years (nobody allows it now, considered Elective and unnecessary but was covereded way back then) and I consider myself lucky. If we can afford it, I want private insurance right now.