I have never had ins. except the medical full coverage from the union I happened to be working thru or the Medicare thru SSA, I now have med ins. thru my wifes job as a govt. school teacher here.
I never use it tho except for my Emphasema meds which are about 10% of the prices in the USA for the identical same meds.
I will pobly use the govt services when I die and they can do the autopsy as I won't mind waiting in line then, now if I need to see a Dr. I go to a private hospital because of the no waiting and it never costs much.

Private ins. here is impossible to get if you are over 65.