I think Europe does it well. You have two models there: one is subsidized by taxes and the other one is commercial, with either direct access (pay for visit/pro

I think Europe does it well. You have two models there: one is subsidized by taxes and the other one is commercial, with either direct access (pay for visit/procedure) or commercial insurance. So basically people have a good choice of options. They can rely only on state healthcare (which is great in some countries and less so in others - but they don't have to pay), or, if they wish to do so, they can also use commercial facilities where any visit/procedure will usually happen quicker. This system works relatively well and is particularly good in case something goes wrong and you need to spend some substantial time in hospital. And if the worst happens, you get the comfort of knowing that even though your family will lose a part of the income coming from your work, at least they won't end up in huge debts from medical bills.