[BeFlatXIII]

IMO, your proposal should separate emergency care, "capital investment", cosmetic, and routine healthcare. Cosmetic & routine should be more market-driven. However, emergency care is unplanned by definition (so can't be properly budgeted for). "Capital investment" would cover the range of expensive procedures ranging from "needed within the next five years to prevent an early death from cancer, but otherwise not time-sensitive" to expensive quality-of-life upgrades, such as knee replacements. Emergency & investment services would need something other than pure market pricing.