It's cheap because that way a lot of people can get insured and the burden of the insurer gets shared by lots of people. There's also a big tax on your pay going to the state's health and unemployment system. So by paying lots of taxes an additional health insurance for bigger medical costs is cheap.
Why not make it free? I don't know, would be great to work towards to.
Why not make it free at that point? Or is your premium low because your teeth are good?
It's cheap because that way a lot of people can get insured and the burden of the insurer gets shared by lots of people. There's also a big tax on your pay going to the state's health and unemployment system. So by paying lots of taxes an additional health insurance for bigger medical costs is cheap.
Why not make it free? I don't know, would be great to work towards to.