The problem is that you have a tripple system. You have the insurance for unlikely but expensive accidents/cancer/etc which is what insurance is good for; you h

The problem is that you have a tripple system. You have the insurance for unlikely but expensive accidents/cancer/etc which is what insurance is good for; you have subscriptions for things like annual health screenings, common care etc and finally you have subsidies for those who have shit health. It would be much better to split the system into those three components: a relatively cheap insurance that you would be unlikely to ever draw on, an optional subscription service that you probably would just pay out of pocket at whatever doctor you trust at whatever price you could get and then something for those who have expensive, preexistent conditions, which is either a government scheme, charity or a required insurance that parents have to take out on their children. There is no need to require everybody to buy an overprized service bundle.