I currently live in Belgium which has a combination of state and insurance via a system of Mutuelles. It seems to work very well. I have to see a Haematologist every six months, and the last bill has just come in for the blood test,seeing the junior doc, and her asking the consultant a question......I was in the hospital for about 90 minutes, and it was €100. We have private health insurance via Dh's employer, and this will be fully covered as they cover my pre existing condition. The bill is less than it costs me for a colour, cut, wash and blow dry. There are evidently ways to keep health costs down.
I think Belgians pay the premiums for the Mutuelles via their social security contributions from their gross salaries, and can choose to top that up. They get back about 75-80% of the cost of the medical treatment, so on my €100 bill, they would get €75 back. There is also provision for those who can't afford this, are on benefits etc.
The system is efficient, you register centrally for out and in patient appointments when you arrive, and hand over your ID card, and show how you will be paying. About six weeks after your appointment, your bill arrives. At one hospital I attend, you present your car parking ticket when you book in, and they validate the ticket, so that you don't pay more than €4 whatever the length of your visit. In the same hospital, you can have a beer in the cafe!
You also pay €25 for a GP appointment, again you get 75% back, and when I saw mine in November, I was able to arrange appointments at an external clinic to see a cardiologist within a week, and a gastroenterologist in one of the local hospitals within a month, who then arranged a CT scan, and I see her for results next week.
You are billed if you miss the appointments.
My GP works in a practice of three. I book my appointments online and get an email reminding me to go for free, or a text,which you pay for. There are no receptionists, practice nurses etc, the docs do everything from blood tests to smears, and I get my blood results in 24 hours, as opposed to 10 days via the NHS.
I know Belgium is a lot smaller than the UK, but I don't think there is any harm in looking at how other countries manage their health care provision, from funding to procurement, and delivery, and cherry picking the best bits and seeing what would work for us, and being able to discuss it, without being accused of attacking the NHS. If there aren't changes, it won't be able to deliver consistently excellent healthcare countrywide.