Do you feel comfortable to use your pension to pay medical?
Plus, nowadays, how many people (middle aged generation )will receive pension when they retired?
I have pension, but my hu*****and's place doesn't (an University). I don't know how many people here have pension and how many would feel comfortable to spend their pension to pay medical expenses---don't forget that, when you are getting old, the medical cost will be way much much higher than you are having now.