[nervousvarun]

That may be true as to why the insurance is separated, but unfortunately the idea that most people can scrounge up 3K is not accurate (at least in the U.S.).

Source: http://www.usatoday.com/story/money/personalfinance/2016/10/...

[brianwawok]

Except that if you can't afford 3k, you also can't afford $600 a year for dental insurance.