what I don't like on european (interpolating from czech, but it's probably quite similar everywhere in europe) health and welfare insurance is that you generall

what I don't like on european (interpolating from czech, but it's probably quite similar everywhere in europe) health and welfare insurance is that you generally can't opt-out from that. Complete opt-out is probably bad idea, but I would like to pay insurance only when I actually have income, not be obliged by law to pay what equates to half of my other expenses every month. It seems fair to me to roll these "insurances" into income tax, as it is essentially nothing different from income tax (although logic of caps is different on income tax and this "insurances"). I'm perfectly willing to pay significantly more than is obligatory, but only when my income for given period allows that.