The only problem I have with it is that unlike say Germany I have no option to go completely private. I
No. In the UK you pay into a fund that pays for everyone, not just yourself.
As you do in the US .. it's just that the section of taxes you pay for it is generally much cheaper than health insurance costs.
And you get it even if you have no pay cheque.
That feels like a worse situation: you pay for it all your adult life, but you have to pay again when you need it.
(of course, I think we'd be better off in the states if we expanded medicare to everyone, giving everyone a baseline level of insurance... but I'd also expect it to be more expensive here than in the UK, just 'cause the payscales here are... pretty different.)
Here's the Agenda for Change pay scales, which seem relevant to a story about maternity care (which is usually going to be midwife led).
http://www.nhsemployers.org/your-workforce/pay-and-reward/ag...
Midwives are going to be band 5, so £22,128 to £28,746.
I think US midwives are getting about $100,000, so there's a considerable difference.
(I'm curious how this shakes out on the low end, and if it's just that in the USA, skilled labor captures more of the total labor compensation than in the UK, 'cause I didn't think our per-capita gdp was that far off. In silicon valley, unskilled labor pays around USD$15/hr. the rest of the country it's closer to USD$8/hr. There are a lot of people who try to live on that. What would the equivalent be in London?)
We’re talking about skilled, professional labor specifically, and boy, professionals are getting screwed over there. Here in the US you can afford a decent lifestyle on a doctor or SWE salary even if your spouse doesn’t work. I don’t know what folks in eg London do. Shit’s crazy expensive in London.
(median household income in SF is USD$75K/yr. I don't see how you could live in SF on that money without serious rent control or owning your place, but fact is it's the median household income. Come to think of it, I know a fair number of people in that situation; making under $75K/yr and living in a rent-controlled place.)
Interestingly, median household income in london, as far as I can tell, is GBP40.000 which is like USD$55K - which isn't nearly as large a difference as I see in, say, SWE wages.
The US does have socialised medicine: Medicare, and it costs as much as the health care systems of other countries, only it takes care of only a small part of the population, whereas in other countries it takes care of everybody.
The NHS covers everyone (although if you want fancier healthcare you can pay and go private).
The overall health care is likely cheaper but you do pay for it your entire adult life.
So while they charged you $100 during birth (btw that’s extremely cheap a private room in a central London hospital without insurance copay is a few £100’s a night) you pay for that room from your first paycheck to the last.