I recognize a lot in how your husband thinks... the weird thing is I also have the experience as soon as you have all kind of insurances it seems to attract a sorth of bad luck. How or what will be payed depends on the insurance so.it is better to have a closer look at that and decide whatto do. It is also possible to save a certain amount for healthcare by yourself. It might be way cheaper in the end/through the years. I hope you all will stay healthy.