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That's not necessarily true. It depends on how many kids you'd want to insure (they're free on public insurance but cost on private), if you have any risk factors (even common allergies can drive up the price of private insurance a lot), your income later in life and health inflation. Over your lifetime it's not unrealistic that you're worse off with private insurance. So unless you're keen on that higher level of care (or luxuries as it's mostly about waiting times rather than getting care at all), staying in public insurance can be smart even if you pay the maximum amount.