Artful Dodger: Are you sure it's just the governments fault? Your lobbying system has alot I feel to do with the current mess. I am actually astonished that you don't have a nationwide insurance system amongst the companies. We've had it here re private medical insurance.

So.. if you want a nationwide scheme, why be against schemes to introduce it? that is one of the proposals. It's no good saying "our system is a mess" (parad) and then being against an attempt to fix the problem. Many have wanted a streamline scheme, but it's been blocked.

In that lies the problem. It's a headache and someone likes it.