Yeah, and if you can pay, you're very well off - but for the vast majority of people if your insurance messes you about, you're not getting private healthcare, so the point is moot. According to Harvard Law School, 60% of all personal bankruptcies can be traced back to funding healthcare. Precisely because it is universal. Everyone can access it. You can dress it up any way you like but the politics of private healthcare are fundamentally selfish. The subtext of pretty much everything I've read in favour of it is an opposition to perceived increases in taxation. I've got mine, why should I pay for yours? Lovely.