Dear Vitality Health, I know costs are increasing, but an increase in the premium I'm expected to pay for my wife of 60% "because people join the scheme, get treatment, then leave" (we have an annual option to join/leave so that takes some premeditation!) smacks somewhat of bullshit. I'm sure you'll manage fine without my (and I expect quite a few others) contributions. Luckily my employer (for the time being at least) still covers me, which for hoi polloi in a British company (ok, we're Japanese owned) is unusual in itself.