Is it better to pay more for wider private healthcare coverage, or keep premiums manageable and rely more on public healthcare options?

If you are young and can afford it, go for private. You can downgrade when you cannot afford it.

Policies change, demographics change. if can afford it, it is good to have choices of both private and public. while statistic may show otherwise, we often hear of the outlier who had to wait for weeks and months before seeing a specialist and the different department he had to go through.

if that were to happen to me, it does not matter to me how efficient the other 99.999% are.