So from Aetna I got a quote of $160 (£100) for one of the packages. For a similar package from Aviva, a British company, I'm quoted $400 (£250). But the difference is in Britain, if I don't pay that, I can just walk into an NHS hospital and get the same treatment, but for free, whereas in the US, I just don't get anything?

I think I'm missing something here, because $160 a month doesn't sound that unreasonable, or was the list I got a list of all the packages and I'm suppose to add them all up rather than just take the best deal?