We have one thru DHs work, the premium and carrier just switched,
Meaning A, we will have to pay out of pocket for the apointment on Thursday (we never get new numbers in January) but we will be reimbursed. And B we are paying more.

. We had none before we got married (no risk of pregnancy) we would (and did) skip all minor medical issues (you can fight a cold without antibiotics, ear infections too, man that hurt!) we pay about 400 a pay (think) for medical, all 5, and dental for the two of us. no eye.
2. should the government provide a safety net? well as a libertarian NO! but as a humanitarian..... umm prolly not no, maybe low cost immunizations (helps keep everyone safe that way) and some minor stuff (ear infections, kid help ect), but I don't want to be paying for expiramental procedures or anything, there are drug companies who will sponser the stuff to get the tax break and the research, prolly not enough, but then there is NEVER enough.