Yea, that is pretty much how ours works. All of our hospitals are public but more and more private 'clinics' are popping up. Its a hot political issue here. We do pay a monthy amount to the government for basic health care but extended health care is separate and the costs split with the employer.... I said that already right. lol.

As for the stress.... one thing that has come up with the meditation practice is what is referred to as sitting with the emotion. Instead of fight it, acknowledge it, name it and release it. I experienced today a real sense of the load lightening when I did that. I usually try to fight the anxiety and just end up feeling worse. Naming it without owning it was much more effective.

I hope you find your mojo again.