Insurances directly provided by the State are much better.
Could you elaborate a little bit? Does something like Social Security or Canada Pension Plan, where the state forces you to pay into the plan which they administer meet your definition of "provided by the state"? Or do you mean this sort of thing should be paid out of general revenues?
I'm not familiar with the Canadian system, but I'd say that the definition is met if no for-profit entity is involved in the process. I would say a universalistic system paid for through progressive taxation is superior to one based on individual payments, but that's a comparatively minor issue.
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