What happen if I cancel my health insurance?
IF, you did this in 2018, then you would owe a tax penalty for not having insurance, but since this is 2019, then won't be penalized, since it stopped (effective) 2019. Not going to a doctor is not a reason to choose to cancel your health insurance. In the last 15 years went to the doctors (maybe) 4 or 5 times, but I still kept my health insurance "just in case". See, it is not the doctor appointments, but being hit with big medical bills if for instance in a car accident and go to the ER, or break a arm/leg playing sports and have to have surgery. I also got kidney stones last December and my hospital bill was $6,700? But I was lucky since now under Medicare which covered it and only paid $129 and Medicare covered the rest.
Car insurance? why don't we get money back?
Well the answer is that you pay a small amount (relatively) for insurance in return for a much greater potential payout in the event of a loss. So for every $10 you pay, you might receive $1000 back if a claim is made. So insurance premiums paid by people like you go into a "pool" to cover the losses of others. You may have never made a claim, but if you had, the money would have been there to cover your loss and liability. It seems like insurance is dumping money into a black hole, but it's there when you need it.
Is 25k uae dirhams as salary+car+health insurance is ok for living in sharjah for a familiy of 3 members?
Rentals in UAE are the most expensive part. I believe tht if you want to rent a place (2-bed apmt), it will cost you atleast about 5kdhs per month. I would suggest that you budget between 5 and 7k dhs (depends on luck also you see). Food is not very expensive unless you decide to eat out often. Again, Indian restaurants are cheap; Lebanese are also. If you need italian mexican etc its more expensive. But you should budget for about 4k dhs per month. Car: While car can cost anywhere between 1.5k to .....depending on the car you want, you have to factor for the initial period (Can be 6months or more) for getting a license. This process of getting a license will cost you (minimum) of 2k dhs. Till you get the license your transport cost (or time) will be very high. Budget for that. If you live in Sharjah and work in Dubai, please factor for atleast 1hour to 1.5hour of travel every day (one way). The travel costs should not be too much. But its a hassle. Schools will be an expensive affair but many times the company will cover it. Please check with them. If its not covered, then you will have to factor between 800dhs to 2000dhs per month. This is a big expense. Electricty, water -- about 400dhs. Telephones - Again a big range, but remember that the call costs are extremely high (one of the highest in the world). So, you have to factor that. Petrol is cheap. Car Insurance is expensive (can be between 2k to 5k per year). Summary: As someone else said, there are people who live from 1k dhs per month onwards. Average salaries are about 7k to 10k dhs for a decent job. So, you are doing good. But if your main aim is to save, then be prepared to live in less-than-happy environments, travel long hours. If you want to enjoy life and give your kids a good exposure (multi-cultural environment, good facilities etc) then its perfect and you can do with the salary you mention. One last word of caution: Job visas have some restrictions attached. You may not be able to easily switch jobs. Also, (though illegal) i hear that many companies hold your passports. These are some quirks of this country (and region). Be prepared for them. Set your expectations accordingly and you will enjoy life. Welcome to UAE. Enjoy your stay