My wife and I each pay a little into our work health plans but that's mostly to cover dental and a few other things we really don't use.

Here's an example of that coverage: I pay about $20 a month into my work plan. That covers pretty much all our dental work.

I occasionally have to pay out of pocket for some stuff (CPAP machine, dental implant) but get compensated after submitting paperwork (no deductible).

I worked in the US for a bit in a kitchen and was always worried about getting injured. At the time I couldn't buy muscle relaxant over the counter which I thought was nuts (I get back spasms) until I realized requiring a prescription was one more was to squeeze people for a doctor's visit.