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Politics

NHS should be a co-pay system.

209 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:
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 15:26

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.

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.

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.

SpainToday · 25/02/2026 15:31

I would be happy with a co-pay system

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.

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.

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.

Notmycircusnotmyotter · 25/02/2026 16:00

100% agree

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!

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.

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.

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:
Wizeman · 25/02/2026 16:23

taxguru · 25/02/2026 16:17

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

Is it better now? Sorry for your loss.

Wizeman · 25/02/2026 16:24

PeonyPatch · 25/02/2026 16:23

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

Did you even read the stats I put down? 50 billion in 2000 to 250 billion in 2026

Erin1975 · 25/02/2026 16:25

Farmerswork · 25/02/2026 15:57

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

Edited

But without immmigration we go bust. The UK has built an economy that requires continual growth to finance pensions etc.

Farmerswork · 25/02/2026 16:26

Erin1975 · 25/02/2026 16:25

But without immmigration we go bust. The UK has built an economy that requires continual growth to finance pensions etc.

Why can't the existing population take the jobs?

Wizeman · 25/02/2026 16:27

Erin1975 · 25/02/2026 16:25

But without immmigration we go bust. The UK has built an economy that requires continual growth to finance pensions etc.

No, the uk has 9 million economically inactive people under the age of 50. Just a couple million of them working would make up for it.

PeonyPatch · 25/02/2026 16:27

Wizeman · 25/02/2026 16:24

Did you even read the stats I put down? 50 billion in 2000 to 250 billion in 2026

Yes, I did… you do realise that a lot of those people contribute in tax as well? Immigration isn’t inherently bad. However, government mis-spending IS.

OP posts:
Chocolatecustardcreamsrule · 25/02/2026 16:35

I don’t know what the answer is but I was in A&E with my grandma last week and it was bedlam. People on drips in the corridor and no seats in primary care as it was that busy. My grandma had broken her arm, needed seeing, but could easily have contributed £100 to be seen.

So many drunk people there too giggling and being loud and some even sat with a takeaway.

When I went for my ectopic pregnancy I could have paid to be seen (would have been better than the 10 hour wait). I would worry for those that wouldn’t go if it meant paying though.

Ohfuckrucksack · 25/02/2026 16:35

Agree with co-pay. On the proviso that everyone has to pay something, relative to their income (unwaged - inc UC/pension credit, low waged, inc state pension, waged )

Otherwise those who pay nothing will exploit the system as they have no incentive not to.

Payments for those on state benefits could be taken off their next month's benefits to ensure access at point of need.

Erin1975 · 25/02/2026 16:35

Wizeman · 25/02/2026 16:27

No, the uk has 9 million economically inactive people under the age of 50. Just a couple million of them working would make up for it.

There are not 2 million people in the UK who are able to take up a job.

The UK has 9.3 million total people who are ecconomically inactive. The vast majority are either in education, early retirement, long term sick or have caring responsibilities.

https://www.bbc.co.uk/news/business-52660591

A young woman

Who are the millions of Britons not working, and why?

About a quarter of the working age population - those aged 16 to 64 - do not currently have a job.

https://www.bbc.co.uk/news/business-52660591

Farmerswork · 25/02/2026 16:43

Erin1975 · 25/02/2026 16:35

There are not 2 million people in the UK who are able to take up a job.

The UK has 9.3 million total people who are ecconomically inactive. The vast majority are either in education, early retirement, long term sick or have caring responsibilities.

https://www.bbc.co.uk/news/business-52660591

Why can't we incentivise the youths in education to study medicine?

Your link showed 300K 'other'. Why can't they take the lower level NHS jobs such as porters?

Wizeman · 25/02/2026 17:00

PeonyPatch · 25/02/2026 16:27

Yes, I did… you do realise that a lot of those people contribute in tax as well? Immigration isn’t inherently bad. However, government mis-spending IS.

Doesn't matter if they contribute tax if it costs more to build the infrastructure to look after them

Wizeman · 25/02/2026 17:01

Erin1975 · 25/02/2026 16:35

There are not 2 million people in the UK who are able to take up a job.

The UK has 9.3 million total people who are ecconomically inactive. The vast majority are either in education, early retirement, long term sick or have caring responsibilities.

https://www.bbc.co.uk/news/business-52660591

The number i listed was 16-50, 2 million should be able to work.