I do object to being penalised by taxation four times over for making
my own healthcare arrangements and unburdening the state from having
to do so to a large extent.

Actually, medical insurance here is a fraction of its true cost, because the
insurance companies know that much required treatment will be done on the
NHS, even if you're insured. Many people only invoke their insurance if they
come against a waiting list, or have difficulty getting a consultant
referral.

Christian.