..but the money's not going to medical insurance or commercial companies. The GPs are getting some (not all ) of the funding so that they can commission services for their local patients - the CCGs are relatively small areas, and each of them are forming patient consultative groups where the patients will have a say about the services which the CCGs are going to be commissioning on their behalf.
There are certain services which WILL still be commissioned centrally, not at local level, such as cancer services - and the core services of GP practices will be commissioned centrally, since the CCGs can't commission themselves to deliver GP practice services. It must be said that the great majority of GPs won't hold this money personally - it's in their commissioning groups, the CCGs will hold the contracts with the hospitals etc. (as the PCTs do at the moment).
If there doesn't turn out to be a lot of patient and public involvement in your geographical area, then there should be - our patient groups are advertising now for members.
I take the point that "we have paid for the NHS" but we can't directly organise the nurse or doctor training for the services which individual patients would be asking for, there has to be central forecasting of likely demand for the services to work at all in the future.