hasanejaz88
Full Member
The Swiss model is a happy medium. Private healthcare is mandatory for all citizens and in return providers have to offer a basic level of cover for a set price. If you want to pay extra for a luxury private room with a view, you pay the going rate. When my wife gave birth one of the options was a 3 bedroom suite with balcony, space for the help and a jewellery store in reception.
It's often seen as expensive but that's down to Switzerland being an insanely expensive place. Relative to the cost of other things it's not all that different.
The US could easily implement a similar model if they had the political will. Obamacare was halfway there.
Same with Germany. Basic public cover that is everyone's right, it's a fixed percentage of salary for everyone, though is free for very low income people (don't remember the limit). If younger, healthier people want a to pay less premium they can opt for private insurance, which might give ancillary benefits as well, but then can't opt back to public insurance when they get older and private premiums increase, or when you have a child since my child's insurance is covered by my public insurance and I don't have to pay extra.
I think the health system here functions very well with most of the things we need healthcare for (child's birth, we have had complications since but that's also been fully covered). One issue I do have is that doctors can discriminate by giving higher priority to private patients, which can be annoying for those on public insurance.