[nwah1]

I also think that there's benefits that are harder to calculate. I switch health insurance often, and I always seem to have a bunch of healthcare bills to deal with.

Even just calling all the billing companies to get my insurance applied is a huge hassle, and when it comes due it can take a number of hours out of my day.

And occasionally, I'll get a bill from long ago that didn't have insurance applied, and it can be a big hassle all around.

The hassle and aggravation is almost certainly worse than the IRS that people are always complaining about (and rightfully so).