Can anyone explain how Reform’s Insurance based health system will work?

[BurntBroccoli]

I’ve looked at the manifesto and it’s confusing? A lot of Reform voters are now saying Farage will keep the NHS for poorer people but if you aren’t, you will have to go private. A bit like dentists or vets I suppose.

What is point you are classed as better off? How will the “NHS” be funded if no one wealthy is paying in?

Anyone?

People will die.
inhalers will cost ££££
Millionaires will make profit from people’s misfortune.
Ambulances will cost ££££

What more do you need to know? You actually trust this idiot!?

Remember Brexit.

It won't work - next!

Well it works extremely well on the continent, but it relies on a highly regulated insurance market with decent competition. In Germany, for example, I believe there is a sliding scale of contributions based on income and a point at which you are entirely self-funding. The key is that the clinics etc compete with each other, so they actually want to attract patients (rather than viewing them as a cost/inconvenience).

I’ve lived in France and Switzerland and the systems are hands-down better than the NHS, but I don’t actually think it would work here now we’re so enmeshed in free at point of use, despite the massive demographic challenges. Is Nigel the man to introduce this seismic change in provision and regulation to the UK? I think not, he’s an intellectual lightweight and a massive twerp.

I live in France where we have an insurance based system and it's free if you're unemployed or below a certain income. It is more expensive than the NHS but also generally better.

The system has evolved over decades and is quite complex and relies on a whole national civil service, IT and medical infrastructure the UK doesn't have.

It would require a determined, intelligent government with a plan and money and time to create from scratch.

So as the other posters have said it won't work and will never happen under reform. The party who could just about organise a piss up in a brewery but very little else.

He is also rich and he and his City friends along with other eg rich politicians will want buy into/own the provider in a similar way to how vet care has become costly via IVC owing the market

Farage can promise butterfly unicorns, it's not like his party will ever be in power at Westminster.

LibDems got bit in the arse when they ended up in power via Coalition govt, people actually wanted them to keep to the no tuition fees pledge.

Anyway, what are Reform promising locally? That's where they can be held accountable & might end up as part of (local) govt coalitions.

I should have said I’m absolutely against Reform and detest Farage with all my being! I’m just wondering if I’ve missed something that Reformers are saying.

There was a Labour Party video that popped up on my Facebook feed with a recording of Farage saying that we needed to move to an insurance based system. Cue a load of Reformers saying it wasn’t true.

*edited for typo

Thank you - loads of Reformers saying that Farage wants a French system rather than an American one. (I think an American one would make most money so betting that would be the model despite them saying otherwise).

It won't work.

But those people saying that Reform will never be in power need to look at the US and the fact that they said Trump wasn't going to be in power in 2016 or 2024.

And Brexit.

It happens.

Have a look at US health system. There us plenty of horrors to be seen. Including elderly confused patients been damped in the street, with drips and a hospital gown on and all.

It ll be the American model. No money, you'd better pray you dont get ill.Hopefully this will put people off Reform.

Yes it looks horrendous 😞.

Farage coming into power scares me more than anything.
Sadly, I think it will happen.
And we will all be screwed.

That’s my point, Reformers are saying that it won’t be US based?

Their manifesto has zero detail of how for example a French, or German system would be implemented.

Something along the lines of;

US Healthcare and pharmaceutical companies make a shitload.
People over here pay a shitload.
People get made bankrupt or refused cover, so suffer and die.
Costs of medicines and treatments go stratospheric.
People in good health, no pre existing conditions, in secure employment and with enough money to cover private treatment do mostly OK and feel happier because they're left with a sense that at least nobody poorer than them is getting something for free.
People who complain about the NHS being overrun with foreign people think Farage has done a wonderful job. Until they can't get/afford treatment.
Plenty of campaigns for fat people/old people/foreign people/the unemployed to have to pay for their treatment or it being a condition of receiving free treatment that they work or sign over their house to the medical companies. Chuck in a 'Why should the State pay for your sexual incontinence?' and thereby contraception, sterilisation, termination and suchlike are rendered chargeable services.
Local authorities get pissed off as this means people therefore can't then sell homes to fund care.
Once the current NHS staff can't get or afford treatment on their wages, shitloads of them leave.
Everything goes to complete shit for the vast majority of the population's health provision, especially women, ethnic minorities, the poor and disabled.
Shareholders in those companies enjoy bumper dividends.

Farage retires to a Caribbean island with more money than anybody ever thought possible.

I think there would be a lot of resentment if healthcare was free for those "on benefits" (whether that meant completely unemployed people/disabled people/pensioners/those on UC top ups or whatever) but not for those earning low wages. Or even for those on high wages if their large medical bills left them worse off than people who would be exempt/only pay a little. Just look at how people feel about (self) funding old age care...

Farage would use the new system to make him and his friends richer and curry favour with Trump because his mates would also be invited to cash in.

People don't seem to realise that the "insurance" bit would just be another tax pay.

European taxes are generally higher than the UK's & they have been paying considerably more over the decades to have the health services they now have got... we have not.

Its also not perfect either.

I mean if they can’t explain it, we’ve got no chance 🤷‍♀️

I hope even reform voters will be outraged by the prospect of the end of the nhs

Your worst nightmare basically…

Reform Voters need to be aware of this potential scenario.
It’s like Brexit all over again and they are refusing to believe what will probably happen.
How can one person have such power?

God why would anyone trust that man. Do they not see what he has already done. Fools.

We will be ok cause we're relatively well off. But most of people voting for him aren't and we'll be truly fucked. Despite that I absolutely would never vote for him. If this were to be introduced it would be needed to be done in a very equitable and considered way not by that fool!

Turkeys voting for Christmas.

As a dual national who grew up in the US, this scares the absolute shit out of me, and it should every one of us.

I was referred for a biopsy and cancer investigations when I lived in the US with private insurance tied to my employer. It took me 2 years to get the biopsy through a mix of losing my insurance, it being a pre-existing condition on my next employer’s insurance and cost (I was early 20s and the biopsy alone cost $1600, which I didn’t have). Thankfully, it wasn’t cancer or I’d be long dead.

I’m in my 40s now with actual stage 3 cancer. The time from seeing the GP (not the hospital consultant) with my concerns to surgery to remove and biopsy the cancer was THREE WEEKS! My NHS care has been superb. Far better than anything I received under private healthcare during my 30 years living in the US.

I fear we won’t realise how good we have it until these knobheads convince us to give it all up so they and their mates can make money off us being such lemmings.

I have often wondered what the UK would be like if that plane crash, Farage was in, had had a different outcome.

I think lots of wealthy pensioners love the idea of a reform government. Dp has casually discussed politics with quite a few of his clients who are in the above group and all are to a person ex tories. They hate Reeves, think she’s worse than Trump and regard Farage as the man. Most are in their 70s and have private health insurance. This is in the NW so wouldn’t be surprised if it was replicated all over.
I’m coming to the conclusion that we need a dose of reform chaos to finally put them out of action whether that be as a reform mayor, large council or hopefully never, government. The media needs to be forced to challenge them and the only way I’d real life incompetence..

I can't see how it could work unless we give everyone ID cards and align HMRC/Pensions/DWP - which will mean a lot of fathers who currently don't pay maintenance (surely their key audience here?) would not find it a worthwhile thing to vote for. Would probably solve quite a lot of child poverty just by introducing ID cards as a result, but that would be the minimum needed to regulate and apply this properly. Joined up systems that communicate with each other are not the UK's forte...