I spend a lot of time in a country with no social healthcare, or even part funded health care. There is rarely a week goes by without some sort of appeal for someone who has some critical health issue or the other.
Now, there, although funded directly by the patient, some things seem quite reasonable. For instance, I could walk into a very smart medical bio lab and request a full diabetic panel, including all the stuff we get here and including the phlebotomist taking the samples I would be charged US$100, or about £60. A friend recently had to have their elbow rebuilt, having slipped on a damp bathroom floor, and that came to US$15,000. Healthcare seems to be charged in USD in many places.
In the US a different friend has an adult son who is very unwell and needs a liver transplant to survive. Fortunately, he has insurance, and they will pay for the transplant – provided he has a particular test beforehand, but they will not pay for that test. The cost of the test? US$250,000. (Yes, all those zeros.) Leaving aside the insurance company's morality; what a way to live? He will probably have to sell his home, and our friend will probably have to make a contribution to the test. How do you tell a son they can die?
Are we lucky to have the NHS? Is it imperfect? Oh yes, to both. Imperfect as it may be, we all know if life changes, as it can, in a moment, we have a safety net.