Looks like this thread has gone really off topic, so I thought I"d get back to its original point.
Doesn't really bother me.
We have PHI for one reason and that's because of tax.
If it gets to the point where it ends up costing us more in PHI than it does in tax then it's getting dropped.
Most useless thing ever. We never even use it apart from a yearly dental checkup. More than happy to use the public system.