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Politics

NHS should be a co-pay system.

213 replies

PeonyPatch · 23/02/2026 17:32

Who agrees? Other countries who use this model include France, Germany and the Netherlands and they are some of the highest ranked healthcare systems in the world. The NHS is no longer fit for purpose, and it hasn’t been for a long time. I am proud that we have a free at point of access system here but it’s no longer sustainable and has been mismanaged and inadequately funded for a very long time. The only way I think it could improve is by gradually making it co-pay - perhaps capping it like Germany does.

OP posts:
PeonyPatch · 25/02/2026 16:23

Wizeman · 25/02/2026 15:13

"Massive increase in demand" = the population has increased at a rapid rate over the past 20 years

"Lack of investment" the nhs budgit has increased by 384% since 1999 from 50 billion to 242 billion.

The reason the nhs has failed is because of more and more people (demand) and not enough medical infrastructure being built (supply). I've worked on construction sights in hospitals. To refurbish a hospital ward it can take upto a year depending on the size and resources available. Imagine building a hospital. Plus it can take well over a decade just to get planning permission. It then takes years to plan, by which point the hospital is probably obsolete or behind modern standards. Then it costs years to build. The whole process of building a hospital can take close to 20 years!!!! Now imagine your population has increased by 20% in 20 years!!!

This is not sustainable

Wake up people

I disagree. Under-investment is the number one reason the NHS is on its knees.

OP posts:
Farmerswork · 25/02/2026 16:19

Needlenardlenoo · 25/02/2026 16:09

But most of the spending occurs in the final years of life and the population is unhealthy and ageing!

The boomers are the large group and are already old. Generation X and millennials are smaller cohorts, so reduced numbers of elderly.

taxguru · 25/02/2026 16:17

Wizeman · 25/02/2026 14:56

The only reason the nhs is broken is because people have entered the country quicker than we can build hospitals and infrastructure. It worked better in the 90s and 2000s with half the money.

Edited

It didn't "work better" in 2008 and 2010 when negligence and incompetence killed my mother and FIL respectively.

Needlenardlenoo · 25/02/2026 16:09

Farmerswork · 25/02/2026 15:57

Aside from immigration we have a falling population. Less people, less treatment less medical staff required.

Edited

But most of the spending occurs in the final years of life and the population is unhealthy and ageing!

Notmycircusnotmyotter · 25/02/2026 16:00

100% agree

Farmerswork · 25/02/2026 15:57

Erin1975 · 25/02/2026 15:29

Um no. Unless you are expecting life expectancy to suddenly drop this problem is not going away.

Aside from immigration we have a falling population. Less people, less treatment less medical staff required.

Nevermind17 · 25/02/2026 15:43

MsGreying · 25/02/2026 12:52

So who pays for the NHS bit?
Does the private bit pay for that from their insurance?

Absolutely not. It was made clear that the private hospital’s priority was its profits (It was Spire, btw). They wouldn’t even call an ambulance because they have to pay for it if an ambulance is called to a private hospital.

The NHS paid for the NHS bit. And to be fair, I was already on the NHS list for the same surgery by the same surgeon that did it privately, I just went private because of the wait. I’d have had the same complications in the NHS hospital had it been done there.

Wizeman · 25/02/2026 15:31

Erin1975 · 25/02/2026 15:29

Um no. Unless you are expecting life expectancy to suddenly drop this problem is not going away.

Let's be honest though, flooding the country with extra people wont help either.

SpainToday · 25/02/2026 15:31

I would be happy with a co-pay system

Erin1975 · 25/02/2026 15:29

Farmerswork · 25/02/2026 15:26

This is a short term issue. The elderly will pass away in the next few decades ending the increase and fewer people will follow equalling less demand.

However, mass immigration means the demand will increase. All these youngsters get old and ill like everyone else. There is the issue.

Um no. Unless you are expecting life expectancy to suddenly drop this problem is not going away.

Wizeman · 25/02/2026 15:29

pointythings · 25/02/2026 15:22

Increase in population, yes. But you are (deliberately?) not mentioning our ageing population, living longer with more long term health needs.

How much older do people live now compared to the 90s? Come on its a couple of years difference. Now onto the aging population, you are correct. Young people simply cant afford to have any children mainly because of house prices. House prices are again effected by imigration, no supply lots of demand. The solution isn't to flood the country with Young imigrants.

Farmerswork · 25/02/2026 15:26

pointythings · 25/02/2026 15:22

Increase in population, yes. But you are (deliberately?) not mentioning our ageing population, living longer with more long term health needs.

This is a short term issue. The elderly will pass away in the next few decades ending the increase and fewer people will follow equalling less demand.

However, mass immigration means the demand will increase. All these youngsters get old and ill like everyone else. There is the issue.

pointythings · 25/02/2026 15:22

Wizeman · 25/02/2026 15:13

"Massive increase in demand" = the population has increased at a rapid rate over the past 20 years

"Lack of investment" the nhs budgit has increased by 384% since 1999 from 50 billion to 242 billion.

The reason the nhs has failed is because of more and more people (demand) and not enough medical infrastructure being built (supply). I've worked on construction sights in hospitals. To refurbish a hospital ward it can take upto a year depending on the size and resources available. Imagine building a hospital. Plus it can take well over a decade just to get planning permission. It then takes years to plan, by which point the hospital is probably obsolete or behind modern standards. Then it costs years to build. The whole process of building a hospital can take close to 20 years!!!! Now imagine your population has increased by 20% in 20 years!!!

This is not sustainable

Wake up people

Increase in population, yes. But you are (deliberately?) not mentioning our ageing population, living longer with more long term health needs.

Farmerswork · 25/02/2026 15:22

Wizeman · 25/02/2026 14:56

The only reason the nhs is broken is because people have entered the country quicker than we can build hospitals and infrastructure. It worked better in the 90s and 2000s with half the money.

Edited

Yes, it is down to immigration. Plenty of people already in the UK could work for the NHS. Glad to see many on mumsnet are now seeing this.

Aluna · 25/02/2026 15:20

Co-pay is one way of expressing it - state health insurance is another.

France for example has comprehensive, mandatory state health insurance for all residents, including immigrants who’ve lived there for at least 3 months. It generally reimburses about 70-80% of medical costs with most residents taking out supplementary insurance to cover the rest. Those on low income or benefits or have long term chronic illness or disability are exempt.

Wizeman · 25/02/2026 15:13

Erin1975 · 24/02/2026 10:47

This. The NHS isn't struggling because of a lack of funding. It is struggling because of a massive increase in demand for healthcare. Demand it is struggling to deliver because of lack of investment over the past 20 years or so.

You could throw billions at the NHS tomorrow but you won't solve the problem because you cannot instantly recruit the thousands of trained people needeed to deliver the healthcare.

Making people pay for treatment will only solve the problem if it means less people get treated because they cannot afford it.

"Massive increase in demand" = the population has increased at a rapid rate over the past 20 years

"Lack of investment" the nhs budgit has increased by 384% since 1999 from 50 billion to 242 billion.

The reason the nhs has failed is because of more and more people (demand) and not enough medical infrastructure being built (supply). I've worked on construction sights in hospitals. To refurbish a hospital ward it can take upto a year depending on the size and resources available. Imagine building a hospital. Plus it can take well over a decade just to get planning permission. It then takes years to plan, by which point the hospital is probably obsolete or behind modern standards. Then it costs years to build. The whole process of building a hospital can take close to 20 years!!!! Now imagine your population has increased by 20% in 20 years!!!

This is not sustainable

Wake up people

Wizeman · 25/02/2026 14:56

PeonyPatch · 23/02/2026 17:32

Who agrees? Other countries who use this model include France, Germany and the Netherlands and they are some of the highest ranked healthcare systems in the world. The NHS is no longer fit for purpose, and it hasn’t been for a long time. I am proud that we have a free at point of access system here but it’s no longer sustainable and has been mismanaged and inadequately funded for a very long time. The only way I think it could improve is by gradually making it co-pay - perhaps capping it like Germany does.

The only reason the nhs is broken is because people have entered the country quicker than we can build hospitals and infrastructure. It worked better in the 90s and 2000s with half the money.

MsGreying · 25/02/2026 12:52

Nevermind17 · 23/02/2026 17:52

I had a hysterectomy privately. I don’t have a private healthcare plan so I had to pay the full cost (£13,000 including scans and tests beforehand). I almost died and was transferred to our local NHS hospital who saved my life and where I remained for the next month.

I will never use private healthcare again.

So who pays for the NHS bit?
Does the private bit pay for that from their insurance?

beachbum12 · 25/02/2026 12:44

Velentia · 24/02/2026 10:19

The Australian system is good I am told. A certain level for poor people but people who are well off are expected to go private. The Government controls the insurance companies and makes sure the health policies are affordable.
Anyone able to describe how it all works there?

It’s really not.
Private health insurance has just gone up by 4.4%, approved by the gov. For a family of 4 it costs anywhere from $250 a month up to $1000 a month (£125-500) depending on your level of coverage. If you need to see a physio it might cost you $300 but you only get $170 back so $130 a visit still. If you need to take your child every fortnight that’s a lot of money.

Doctors appointments are very hard to get & a lot of Dr’s have their books closed. A short 10min appointment at my Dr’s costs $70 of which I pay $40 once I get a rebate. Longer appointments cost more. An ambulance costs $600 (£300) in my state, you get some back depending on the level of insurance you have.
Waitlists for free healthcare is insanely long just like the UK. The wait times at A&E are also ridiculously long as ppl can’t afford to pay to see a Dr or get an appointment so go to A&E.

Nowhere has a perfect model of healthcare.

Keepingittogetherstepbystep · 25/02/2026 12:16

Having just experienced a relative in hospital for over 4 weeks and subsequently the person passing away its not the medics causing the issues in the NHS. The suits are calling the shots and they certainly shouldn't be anywhere near medical decisions.

One of the crackpot ideas was to replace paper menus with an iPad. Seems OK until you try it in practice, the housekeeper was explaining how the trail went. A suit wanted it so she told him to come and do it himself. After 3 hours he'd managed 3 beds for various reasons. Paper based took less than 30 mins.

Copay is an appalling idea, it puts people off getting treatment early on and so ends up costing far more.

My trust have changed the threshold for treating uti's and have placed a 3 day only on gp prescribing. You arrive at the hospital and it's full of people with complications from uti's.

sashaski · 25/02/2026 09:50

It already is
Labour let GPs be self employed business

Imdunfer · 25/02/2026 09:25

NormalAuntFanny · 24/02/2026 20:59

This is just bollocks, if there were easy efficiency wins they would have been taken - the NHS has been under 'efficiency' reform literally my whole adult life.

The people running it are not stupid or ill-intentioned, there are no easy 'common sense' solutions to large and complex problems

The reason why systems like the French are so much better is because they spend about 2% more GDP on them every single year.

It's money pure and simple

It certainly isn't bollocks, you've got plenty of examples of gross wastes of resources up thread. Whole sets of scans repeated because they can't be seen in another area, patient history not available in the eye department which has been monitoring glaucoma for 10 years, constant rerecording of history by every new doctor you see, people ready for discharge blocking beds because councils won't take them, new hospitals being built as monuments to civic pride instead of utilitarian and cheaper rectangular blocks like the private hospitals are. It goes on and on.

Throwing more money at it is not the answer.

Timeforchai · 24/02/2026 23:52

My elderly mum needed emergency treatment while on holiday in Greece for early onset pneumonia ( respiratory rate 40) We rocked up quite late at the local clinic a mile away ( open 24hr and numerous of them on the island ) saw a doctor almost straight away, was given emergency nebuliser, steroids and bloods were taken ( results back within the hour ) She was sent away with prescription for antibiotics and inhaler for which she paid £40. Made rapid recovery.
We we’re thankful this didn’t happen in the UK as it would have meant a 14 hour wait in A&E and associated fatigue and dehydration, possibly a prolonged stay in a hospital corridor and by then she’d have deteriorated so much that she’d likely need IV fluids and IV antibiotics ( if she made it )!

The NHS is just too big now and there is no accountability unless you’re a clinician. GP services are a farce too ! It’s an embarrassment.

Labraradabrador · 24/02/2026 21:41

dwordle · 24/02/2026 16:32

You paint a gloomy picture which isn't the case. The NHS is a beacon of how good healthcare can be, it's affordable and it needs to be funded correctly.

NHS Dentistry was designed around co pay and it's been a utter disaster. Most people are now private paying the highest fees in Western Europe....

Could anyone really contribute to heart surgery or cancer treatment considering the costs involved. I'm France most people are exempt because they don't earn enough.

So let me put it this way, the wealthiest people paying the majority of tax....so we are saying these people who already pay huge amounts into the system should part fund their healthcare.

Free Healthcare is a civil liberty and should be enshrined in law

Sorry, but uk healthcare is dire. Not sure who looks to the uk as a shining example. Part of my job entails looking at comparatively standards of care in different disease areas, and throughout the span of my 20 year career the uk has fallen rapidly behind other developed markets to the extent we frequently dont include it in our analysis because it is such an outlier,

And on a personal note as someone who has lived in 6 different countries, each with their own healthcare systems, each with their own strengths and failings, the uk is by far the worst I have experienced. I am settled here for various reasons, but my biggest fear is getting seriously sick in the uk and having to rely on the nhs

Vivienne1000 · 24/02/2026 21:13

NormalAuntFanny · 24/02/2026 20:59

This is just bollocks, if there were easy efficiency wins they would have been taken - the NHS has been under 'efficiency' reform literally my whole adult life.

The people running it are not stupid or ill-intentioned, there are no easy 'common sense' solutions to large and complex problems

The reason why systems like the French are so much better is because they spend about 2% more GDP on them every single year.

It's money pure and simple

Obviously you have never worked in NHS teaching hospitals……
And the French oay a fee everyone they visit the doctor. And are far far healthier than the Brits.

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