Insurance is a dirty word any where I think. I know back home, you pay your registration each year and that includes basic insurance - NO insurance companies involved unless you want to involve them for more insurance. The same applies to health insurance. I pay 1% of my annual income and get everything I need, doctors pharmacuticals, dentistry, emergency rooms, hospital stays, optometry all of the fundemental medical needs required. If you want more such as elective surgery then you go to an insurance company and pay whatever for that additional coverage. Oh, and I get that health coverage from the day I am born till the day I die as do all Australians - 1% of your annual income - I pay less a year in Australila than most people pay here for a month to get less and have some little beaurocrat tell us what we can and can't have.
Okay, rant over and I apologise but prices here (across the board) in NYS have gone out of control over the past few years and I am sure they have in other parts of the country as well.
