Private fire departments: Why should I pay if your house is on fire. I was responsible and didn't let a fire affect my house. If your house or business is on fire, then you pay the cost to put it out.
This was a brilliant quote. Terry Pratchett came up with a similar idea: private fire insurance will only lead to a couple of guys tipping up at your house, have a nose round, and saying things like "Lots of paper around here. All very flammable. Oh dear oh dear oh dear..." etc.
Just for the record, I'm English, and it really gets on my bloody nerves when uninformed idiots (generally, not specifically anyone in this thread) start spouting off about our healthcare system. Especially when some ignorant imbecile starts harping on about 'Death Lists' or whatever it was in the UK... Jesus...
Anyway, I'm in the UK, and our health system is nowhere near as bad as is made out. If you need critical care, you get it there and then. It can't be any other way, or people would be dropping like flies. The people who are made to wait are made to wait for a reason. That reason isn't because they can't afford it - it's because the highly trained and very experienced medical professional believes they aren't likely to drop dead in the next 10 minutes.
As it is, if you don't fancy waiting, (well, running the risk of maybe having to wait), you get private insurance (BUPA for example) and go to a private hospital. It's not expensive, and you do it if you need to. You can even get coverage if you have an existing condition - you just either have a higher excess on that condition, or you aren't covered for THAT particular condition. It's not complex.
I pay approx 10-11% of my salary into what we call 'National Insurance', and that pays for a lot of public services, such as the ambulance service and the NHS. It contributes to the police, and the fire brigade, and any number of other public services that I suspect you wouldn't want to go without.
Plus I never ever have to worry about them turning round and saying "Sorry - you've already been unwell once this year, so we're not paying this time."
Also, I have a couple of questions for those Americans among you all of a Red State/'Small Government'/Republican (is that the right terminology?) persuasion:
Firstly: Those of you that don't have health insurance now, either through your job or purchased personally - what would you do should you get a serious long-term illness or require surgery or something?
I ask only because I know how much that'll cost. I had kidney surgery a few years ago, on the NHS (admittedly after a wait of about 6 months, but it was non-life threatening, and optional), and the total cost of the surgery, and after-care etc. etc. came to about