For the NHS which is a bottomless pit, I feel we need accountability and a mixed private and public two tier system.
Everybody should have a certain token allocation of credits for their lifetime.
If they use it up by being hit by health issues of whatever nature, then they pay.
People are obese, eat drink and smoke and then get benefits for being ill. That's pretty daft.
We need personal accountability and responsibility.
As for those who fall ill for no particular reason but life chances or their DNA - tough titty. They should take out private insurance.
These policies will make the UK the healthiest fittest nation in the world I reckon.