Assuming it's the latter, I'd get a quote from the thieving bastards and simply put that amount of many away each month.
I agree completely.
It's a numbers game. If you are more healthy than average then you are likely to be subsidising those that aren't.
Of course premiums will be loaded for certain identifiable risk factors like smoking status etc, but at the end of the day they make a profit on everyone.
Private health insurance is not the same as loss of earnings cover referred to above of course- I would consider that essential for anyone who is self employed- payed for my locum when I was off for 3 months after MTB induced shoulder injury 2 yrs ago.