It's Canada, not Iran. It's like America with free health insurance.

是加拿大啊，不是伊朗。跟美国一样，都有免费的医疗保险。

The salesman will reduce the price or else include free insurance.

【else】推销员会降低价格的，要不就会包含免费保险。

And it will cost you less than you think because that contribution is going in free of tax, in many cases freeing up insurance as well.

而且它会比你想象的要花费更少， 因为这笔捐款是免税的，在许多情况下也免除了保险。