I dunno, I’ve just spent 18 months in Dubai, where I had private insurance, and it was a breeze. See a UK-trained specialist for almost anything within a day or two, and hospital direct billing meant I almost never had to interact with the insurer directly.
I guess my point is that as reassuring (as a Brit) as it is to know the NHS is there, private insurance isn’t necessarily bad if regulated well (and that matches my experience of having private insurance in the UK too), it’s just America’s seems incredibly poorly regulated.
A consistent theme in responses here is that how long you just wait for a doctor depends on location, and the preponderance of evidence suggests that the differentiating factor between locations where it is easy to see a doctor vs waiting a long time is how many golf courses are around.
Correlation isn’t causation of course. Not suggesting golf courses cause doctors. But in general in this thread I see people from heavily golfed areas saying ‘I found a doctor really quickly’ and people from golf deserts talking about long waits.
I think the critical element in the UK hasn't been regulation, so much as the NHS putting a hard price floor under everything that private providers offer. The two systems worked symbiotically. As / if the NHS is killed, private medicine will enshittify as well.
I guess my point is that as reassuring (as a Brit) as it is to know the NHS is there, private insurance isn’t necessarily bad if regulated well (and that matches my experience of having private insurance in the UK too), it’s just America’s seems incredibly poorly regulated.