Health Service Funding - by Taxation or Insurance?
Calls are coming from all parts of the political
spectrum, including the Liberal Democratic party, to fund healthcare
from insurance rather than general taxation. There is no real advantage
for insurance except as an add-on to tax based funding.
In both insurance and tax based funding the risk
of any individual being required to pay for health care is spread
among a wider social group.
The crucial difference is that in the case of private
insurance, non-contributors are excluded from receiving healthcare
- a situation that is simply not compatible with any reasonable
definition of civilisation.
The only reason to go for private insurance based
funding is that it further brings the NHS towards a state when it
can be turned into a collection of American style "Health Maintenance
The Americanisation the our healthcare services is demanded by the
General Agreement of Trade in Services as part of the globalisation
of the market. Both the wasteful Tory health reforms and the current
Labour NHS upheavals are steps along this path - and now the LibDems
are hitching their cart to the globalisation express. We live in
a political monoculture, where anything goes so long as you do not
mention what is really going on.