Interested to hear from people who don't have PHI.
Is it purely a financial decision (being not affordable), or do you not believe the benefits are worth the cost? Do you believe our public health system can meet your family's requirements should the need arise?
Has anyone without PHI had a medical situation arise where they really regretted not having PHI?
After having PHI for many years, I'm seriously weighing up my options. DH is more than happy for me to cancel it outright, but I do worry about 'what ifs'. Our income isn't high enough to be concerned with the Medicare Levy Surcharge.