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    An insurance based scheme would certainly mean rich pickings for the Agency Sector, but no benefit to the unwell/injured.
    If the NHS suffers from anything it's Politicians mouthing-off. The NHS is both cheap and efficient until you factor-in the political place-men.
    Alas there seem to be more and more US companies getting their foot in the door and it is plain for all to see just how well they perform back home. The US (un)healthy system does offer one boon to the Politicos...funding.

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