Reading this thread is like having a nightmare. Here in middle of Europe, individuals pay basically $50/mo. That covers everything needed at 95% private doctors and nearly 100% hospitals ... then you only pay for optional higher standards, other optional treatment/drugs, part of the prescribed drug costs and $1.5 per any private doctor treatment. When you're employee, then insurance is paid by employer and based on a month sallary. When you are self-employed then the cost is based on yearly taxes, but generally quite low. Whem you are unemployed and registered, then the state pays the insurance.