Hi all. What are your thoughts on having a private health insurance for households with total income below $180000. I get that everyone's situation is different. However, I still can't decide if we really need it at this stage of our life as we are a young couple and don't go to hospitals very often. Do you consider it to be one of the safeguards in your property investment journey for cases when you get sick and may have large unexpected expenses? I'm still not quite sure what the difference is between the medicare and private health insurance coverage (except for the waiting times). Is there anything substantial that private health insurance can cover without having to pay huge excess fees that medicare cannot cover?