Folks would also have a strong incentive to modify their behavior when they know their health is in their hands. Singapore, what Prof. Switzerland's system of private health insurance ranks among the best in the world. Most of my well off English acquaintances simply have their own private health schemes, as they say they dislike the cueing. In other words, those that can get out of the system do.
People opine with their behavior.
Firms have to pay to hire and find it almost impossible to fire. I think misses a major aspect of European cutbacks. He basically set a budget ceiling on hospital expenditures. Some hospitals had 3 or 4 staff members per bed. People would stay in hospital beds, running DM300 - DM700 per day, when they could just as easily been cared for at home.