And I think we need to pay insurance and the NHS needs to be for A&E, maternity and life-threatening conditions. If you want a knee replacement so you can keep on running, you claim on your insurance. If you need a cataract operation, you claim on your insurance. If you have a heart attack or cancer, the NHS treats you.
Before I start on the above - which I do think is interesting and possibly how things will move forwards, I wanted to share my experience. I am a high traffic patient at the GP (I am on immune suppressants and have multiple conditions.) Part of the issue for me is that you cannot get hold of a specialist when needed - e.g. I have called rheumatology 9 times, sent them several emails etc over a month and nothing. That department in my large local teaching hospital is falling apart and so I have to place even more strain on the GP for things rheumatology should be dealing with. Likewise neurology.
I had some tests done and need to see a GP urgently - according to the message I received. Next appointment - 3 weeks. Next door's baby had stopped feeding for 48 hours, high fever, screaming etc - next emergency appointment 2 weeks (they called 111). We compared notes and for urgent antibiotic prescriptions - there is a 5 day wait. Being rural, the practice dispenses for us and won't give us a prescription to take to the chemist who would have the antibiotics in stock - pencillin and amoxicillan. Friend's daughter ended up in hospital on IV Abs whilst waiting for dispensing.
However, at other times the surgery has been fantastic. I know they have closed 3 times recently due to covid outbreaks - patients had attended whilst knowingly having covid.
Insurance - this is rather like a US based system. However, I am aware from my sister who lived and worked there - the cost of insurance is astronomical and normally provided by employers. There are different tiers, providing different levels of treatment and vastly differing excess amounts for treatments. (Not to mention I am sure a lot of expensive and possibly bells and whistles treatments and tests are recommended as someone is ultimately making good profit out of it!)
Let's say we introduce an insurance system in the UK. I can't see any providers willing to take on those with pre-existing conditions without hefty and unavoidably high premiums. A number of conditions - diabetes, cancer, rheumatological etc can cost enormous amounts in ongoing treatment. One of my prescriptions costs about £15k a year. I would have to do without and end up losing my job and on benefits needing care if self-funding.
What I suppose I am trying to say is that whilst an insurance based system might ultimately work, I can't visualise the transition to one for patients with ongoing conditions.
This also brings me onto the point that I can't see a private GP for most things - unless it's a simple infection. A couple of them won't see me anyway as I have autoimmune disease and they worry about not having the full background.