> universal healthcare

That doesn't mean what you think it means. There are many things not covered or not covered practically that you would want to pay for private healthcare. e.g. You can wait years for services, or you can pay a few thousand a month and get it sooner. This is critical for things that necessitate early intervention. Wait too long, and when the government does finally come around to being able to provide services, it's already too late, and because the patient is too old, they are no longer eligible for the services they should have received in the first place. I speak from personal experience.