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237SJ
The real culprits are the drugs companies who hold peoples` lives to ransom.
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Nailed it!
There is a possible way around this. The reason they charge so much is that the life of the product patent is remarkably short and the combined costs of primary research and - in particular - the double blind trial of a statistically significant sample size of what might be a very rare cancer condition means global-scale effort and enormous costs.
Lengthen the patent period to 50 or 100 years, to extend the time available to recoup those development costs but make this conditional on the company charging "affordable" rates to the NHS.
NHS does not individualise patient expenditure against their contributions history, thankfully. Nevertheless, £90,000 comfortably wipes out most people's lifetime contributions, doesn't it?
Also, the concept of "insurance" is one of spread risk, with few being so infortunate as to have to claim. There was a time when many would die without ever having a prolonged spell in hospital. These days, practically all of us will, either for cancer or extreme old age.
Reducing the service level would be inhuman. Increasing the 'premiums' (tax rates, to you) seems to be the only way to go. I am against privatisation in principle and I know that tax increases are a surefire way to lose an election, so this will never happen, in the age of spineless PR-driven politicians. :-[]