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Great article! I just don't agree with the author's confidence in the "guiding hand of the government" in his conclusion. I would much rather have the freedom to purchase future options to buy healthcare rather than have my freedoms removed because the of the fear that the "average 20-year-old" may not have enough foresight to think about his/her future.

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There's no reason they have to be exclusive. The UK has dual public / private provision of healthcare.

(Personally, I would never use private health care in the UK. I know people who have.)

If you can opt out of public helthcare, then it is fine. But if you can opt out, I wouldn't call it "public" anymore.

If you can't opt out, then choosing private basically means paying for both.

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