I'm a member of BUPA and have a young family. Given the fiasco today I'm starting to wonder what is the point of having health insurance. Anytime I've had to go to hospital I've been treated in the same place and in the same way as everyone else. I'm not sure what exactly I'm getting out of it and I wonder is it the fear factor that's keeping people in these health policies. Would it really be disastrous to rely on the state, after all we're paying for that anyway. Could anyone enlighten me on why we need health insurance.