It actually makes a big difference whether your have state or private insurance. Some clinics and doctors don't even accept patients with health insurance. If they do accept them, they will give them longer waiting times (according to one recent study state insured patients wait 3 times as long to get a medical appointment as privately insured patients). Rule of thumb is therefore: If you can afford it and care for your health, opt for private insurance - but be prepared to pay quite a bit of money, especially if you have a family as each family member need to be insured individually.
