People in charge will of course make a profit - the people who staff this department have to earn a paycheck, too. But, if you're worried about abuse of the funds, well then I don't know what to say except if they want to gobble up taxes, they can do it with or without this option. So it doesn't really make a difference.

"Those who don't contribute to society" get treated no matter what, and you better believe you foot the bill for their shit. The correct solution is free preventative care for all, and free BASIC corrective care. Government funded. However, you must still purchase private insurance if you want comprehensive coverage. Things like transplants, cancer treatment, etc. will not be covered by the government - your own insurance has to deal with that.

Using this system, we'll be able to keep people in the absolute best health (no more 'not going to the doctor' because you think your sickness will blow over and don't have health insurance) which translates to less diseases and viruses floating around, which translates to less hard working people getting sick. However, should you get fucked up, your incentive to keep private insurance is that the government WILL NOT fix you on its bill - your private insurance company has to do that.


BTW, this will drastically drop premiums for private insurance companies. And I mean drastically. Preventative and common corrective care procedures make up a HUGE part of their costs. Its important that the government not tamper with insurance premiums in this case, except maybe to give them an initial kick in the ass, because the free market will ensure that their prices achieve the new equilibrium on its own.