We happen to have both here and we can opt out of some insurance like medication and such. To be honest the only difference is that private insurance sucks dick and you have to literally bug them over and over to get what they owe you. The public one, you just go to the hospital, show your healthcare card and they fix you up and they show you how it would have costed, so people realize shit aint free. Then you never hear about it again. Only reason i have a form of private insurance is for the dentist, its not publicly covered, aside from regular check up.