I pay cash for both = more because I don't want insurance companies dictating anything. I pay for health insurance through the university - but rarely use if for anything. I have it mostly in case I am hit by a bus and taken to a hospital without my consent (I would never consent to going so for me without consent is a given). I don't really care what other people pay or don't pay. I have never looked at my insurance statement even when I have gone to urgent care for bone setting situations. It never occurred to me to bother.