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No, you cannot opt out of the premiums anymore than you can opt out of having some health care premium bill coming in monthly.  The "horrible" difference between your and my system is that the premium will be laughingly affordable.  I'm talking under $50 bucks a month.  That's just one round of drinks for your buddies after work one day.  Instead of buying them drinks, you'll be buying your beloved capitalistic system a horde of healthy workers to make you even richer.   Remember: invest first, payoff later...


The premiums don't differ.  But anyone who wants different coverage can opt to call their (under $50 remember..) premium a  "tax" (actually: an investment see above paragraph, or the current economic crises spawned from no health care) and go get another insurance policy they like.


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