I think you are narrowing in on the problem of free healthcare. You needed two vists to doctors before the age of 18. I assume that you didn't develop any life altering diseases in that time. Question, if you would have have a proper free healthcare plan, how many un-necessary visits to the doctor or procedures would you or your parents have used. Whenever you hide the true price of something that something tends to get overused and the resources get allocated improperly.