The "state subsidised" system also subsidises these: * People having children (more health visits and possible complications) * Those who drive (more accident

The "state subsidised" system also subsidises these: * People having children (more health visits and possible complications) * Those who drive (more accidents versus public transport) * Those living further south (more sunshine -> more skin cancer) * People with hobbies like rock climbing (more likely to get injured) * People who consume alcohol (more likely to get health issues) * People with pre-existing conditions I'm sure there are many many more examples where individuals do things that put them at greater risk of some health concerns versus other groups.