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?

Well, thats not true, plenty of very well off people want a wealth tax, i would like unearned income to be taxed differently, even though it would affect me.

Higher rate council tax bands really do need looking at too.

But its unrealistic to expect people on average or below incomes to pay more, most of these will be claiming benefits, so whats the point in increasing taxes.

It will end up like pet health insurance where the market is completely unreasonable. Sure you can get cheap cover, but good luck getting them to pay out for a damn thing. So many pre-existing conditions will be excluded it's a damn lottery even when you read the small print. I gave up on pet insurance a long time ago, bloody waste of time.

Why wouldn't it end up like one of the many insurance backed systems in Europe??

I agree. What's the point of NI when everything goes into the same pot? Its not an insurance scheme. Maybe if it actually was, and went into an investment pot to pay for social care or something

Same with my neck of the woods.

I don't care what you call it. A tax based on income and I said I was fully prepared to pay that. Obviously all the tax dodgers need to pay up too.

The elections this week are for mayors and councils
neither of whom control healthcare

..because we don't do that sort of thing here in the UK, look at our privatised utilities?
We allow everything to be sold off...

THAT's where we need to start looking to raise taxes - unearned income, such as pensions, dividends, interest and property rental income. Workers have been squeezed enough

Workers have many of these too.... and Interest on savings and rental income is taxed as earned income.

NI on pensions? good luck with that, the media, not too mention pensioners themselves, would crucify any Govt that did that on basic rate tax payers and if it was only applied to higher rate payers, how much would it raise?

I'd like to see ISAs reformed, ridiculous the v wealthy can use their allowances to avoid tax on substantial gains, higher rate pensions relief too, Council tax reform on higher bands and other wealth taxes on assets..
& end all this free childcare nonsense for the well off.

I know that, and you know that but unfortunately a lot of people on my local Facebook feeds think they are voting in a general election…

People won’t be put off Reform because for most voters it’s about immigration. Does anyone seriously think Reform voters look much beyond this? It’s essentially a protest vote. As was Brexit - for many bizarre reasons. So we have a non discerning electorate. Nothing new there.

Last time I looked, Councils and Mayors do not control Immigration policy or practice

People of Runcorn clearly think they do…

This is a large change in politics. Quite honestly I dont think if there was a GE today Reform would win but Labour would lose tons of seats.

Of course if the Conservaties decide to join together with Reform it might be a different story. Only thing is without Farage I dont think Reform would be this popular. He is that important in politics and to stick your nose up at him and try and ignore isnt doing any good

It is based on an American model which isn’t ever one to aspire to.

The problem here is that there is a two tier health system. The NHS and private. Until there is actually a universal health care system the model is already split and lends itself to what Farage is proposing.

The NHS while a good model in theory can’t get past free at the point of use with absolutely no penalties for abusing the system - missing multiple appointments, using ambulances as taxis to A&E, using A&E as their GP etc. There is too much room for waste.

Also, when the rich can go somewhere else for their care and don’t go to the same hospital as you and I there will never be improvements

There are many models that work worldwide and are better some of which have been mentioned here.

Despite a British self pride on the NHS it certainly isn’t world class nor is it the envy of the world.

It could but not with Farage in charge - that’s not what he wants. He is a massive fan of the American system - that’s what he’ll introduce. The European countries are the ones we need to learn from and fast - but no one dares to discuss any charges for NHS care unfortunately so we stagger on 😬

It could work if old, young, unemployed or employed had a nominal amount deducted at source from wages, pension, UC.

it would be a tax that the less wealthy could see the upside as it would directly benefit them and the wealthy would probably still go private and I can see them not objecting to it.

It would be a universal charge for everyone over 18.

If you start making allowances for certain groups, charging different amounts it would fail as resentment would build.

I assume the “wealthy “ will still have to pay in to fund the nhs via tax and NI but just not be allowed to use it.

god help anyone with a pre existing condition. I dread to think how much dd would have to pay or even if she could get cover.

Everyone should be able to use the NHS and everyone should pay. Not a pay by use scheme.

I couldnt agree more. People using A&E knowing no questions will be asked, calling ambulances and using key words to ensure that they are a Priority One. People just messing around knowing that there are no consequences. You only have to see the shoplifting chaos to see what can happen if there is no come back.

I am sadly just waiting for first stabbing/murder of a shop worker who questions a shoplifter at the door. I was in M and S last year and one of the lovely shop assistants said that there are seeing more and more people carrying knives when they go on the rob. Of course they dont intend to use it but havent we heard all of this before.

GP treatment is free to all... as is Emergency admission but anything else is charged for.
Quite why someone here illegally can get free GP treatment is beyond me....

You re dead right on shop lifting but recruiting all the Police, prison places & the courts the Tories cut, takes years...

Getting an Ambulance down here is a lottery, most are queued up outside Derriford, waiting for space in AE or on a ward.

I don't think Labour have a magic wand and neither does Reform

The middle will be squeezed out of existence. It'll eventually affect the poor. The only thing great we have left, is our NHS.