The health care system represents 40% to 45% of costs at this time. Fortunately, this rate is no longer increasing and has stabilized. That percentage, however, only takes public expenditures into account. If you add to that the tax advantages given to incorporated companies, this translates into enormous amounts. They have increased exponentially over the past years.
This is now a political choice. The issue is probably more of a provincial matter. We have to ask ourselves where we need to invest to get the best return on investments in the health care system.
As for physicians, we hear about many benefits. Certain physicians prefer to have benefits rather than to incorporate.
We know that most associations offer a type of bulk purchase of benefits at very low rate, because that population is relatively healthy. They have a lot of benefits such as disability insurance, wage-loss insurance, life insurance and so on.
Overall, this remains a political choice.