[rogerbinns]

The "state subsidised" system also subsidises these:

* People having children (more health visits and possible complications)

* Those who drive (more accidents versus public transport)

* Those living further south (more sunshine -> more skin cancer)

* People with hobbies like rock climbing (more likely to get injured)

* People who consume alcohol (more likely to get health issues)

* People with pre-existing conditions

I'm sure there are many many more examples where individuals do things that put them at greater risk of some health concerns versus other groups.