If you have the means to fund a subscription to The Currency, it’s highly possible that you are among Ireland’s HAVES. As in you HAVE private health insurance. The 2019 Health Insurance Authority annual report set out how half the country’s population (46 per cent) had private cover, with three dominant players in the market – VHI (50 per cent), Laya (26 per cent) and Irish Life Health (20 per cent). But with more than half the country’s citizens depending on the state’s public health system, it’s likely that we all know someone – a family member, a neighbour, a…

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