[galvin]

Pricing is definitely an issue, I think one of other big issues that is often overlooked is that countries with some form of national or regulated health insurance have an incentive to encourage preventative care.

When everyone including healthy people are insured it makes sense to optimize for long term costs and that means keeping people healthy and dealing with health issues as early as possible to avoid letting them get worse and more expensive.

As an example, I've seen insurance proactively provide assistance to help people quit smoking. They don't have to pay for patches or whatever but they do because it's a lot cheaper than cancer treatment.