I heard a rant about the American health system yesterday, by an American who is studying medicine here (apparently she can't afford to do it there), followed by agreement and extension by someone from, mentioning the "not getting sued" element of medicine. This all started from a conversation about the cost of fillings.
As far as I can tell there's a cultural preference in the US for new/high-tech/active intervention medicine which interacts nastily with the "not getting sued" aspect.
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If I had to go with an insurance-like system, I'd like a system where my provider gets a fixed amount of money for every QALY they provide me with.
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I love my NHS.
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