The ethics of health insurance

Continuing from the other thread:

Where I live we have universal free state-funded healthcare and I’m ambivalent about it.

It’s good to have the safety net of the national health system for major health crisis and it’s an important piece of a social welfare system I believe in. On the other hand it’s horribly slow, strained, abused, inneficient and expensive budget-wise and everyone I know ends up paying twice, through taxes and also still very expensive private health insurance.

I believe there are other models that could and should help more people for cheaper than free state-provided universal healthcare.