Without health insurance, costs of hospital are X. With health insurance, costs of hospital are 2X. Pay me now or pay me later, there is no escape from the giant money vacuum cleaner (run by governments and corporations at the behest of the Elite). Why do you think health costs escalate faster than gross inflation? If you gave everyone a million dollars, a loaf of bread would soon cost a thousand dollars apiece. Don't like that? Make it illegal to raise prices ... Emperor Diocletian tried that in 300 CE and it failed completely, part of the bankruptcy that destroyed the Roman Empire, just as bankruptcy destroyed the French royalty. Arithmetic is raciiiiist. The Mississippi Company and the South Seas Company and the French Lottery (invented by Seniore Casanova) were early 18th century free lunch scams, even after the famous Dutch Tulip Bulb disaster.
In Japan ... "Employees must retire at 55 (or in some cases 50), and male employees must retire at 60." ... this creates terrible strain on wives and many male workers move to allowed contract labor to avoid the "ball and chain".