Saint-Martin is an overseas territory and it is not part of France in the same manner as mainland departments.

Sint Maarten is not like Barbados - Barbados became independent in 1966. Yes, Queen Elizabeth II is head of state - the monarch - but her role is ceremonial and all she could do - if she wanted to do anything - is give her opinion through a governor who serves at pleasure of the Prime Minister. Sint Maarten is one of four countries in the Kingdom of the Netherlands - the four countries are the Netherlands, Aruba, Curacao, and Sint Maarten. In theory the four countries are equal partners - in practice, the Netherlands can control what it wants to control through the Kingdom government.

I hope that your comments about insurance and aid are more accurate than about political matters.