Salvation is a single payer system.

With insurance, we pay premiums; then we pay deductibles; then we may co-pay at the rate of 20% to 80%. With salvation, God requires a single payer. Grace pays all. Nothing is left for us to pay by good works. Paul writes, “And if by grace, then is it no more of works: otherwise grace is no more grace. But if it be of works, then is it no more grace: otherwise work is no more work.” (Romans 11:6)