The Doctor Is In. Co-Pay? $40,000
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Whether this buys you the best treatment is highly contestable and, I think, unlikely. It would probably buy you the most treatment, which is not necessarily what you want.
On the other hand, the long wait time to see physicians is a real concern, and it is advantageous to be seen sooner rather than later for essentially every condition. I think the moral hazard lies in the fact that you can buy access to earlier care, rather than with the fact that you can buy access to "top" physicians.
These are empirical questions which can/should be studied.
Here, private rooms have become the standard that all new hospitals are built to. Not only are patients generally happier, but they drastically reduct the spread of germs between patients in hospitals. When my kids were born, (they're quite young - <6 years old), my wife had a private room. When my son was hospitalized for a couple of months last fall, he had a private room, with a couch-ish thing that I could sleep on. We didn't pay extra for these, the were the only options at the hospitals we were at. These are not special, private, hospitals in any way, they're just renovated and/or built within the past decade.
It seems like the profit-based healthcare system south of the border is keeping patients in shared rooms, which are nearly a generation out of date here.
It has different names depending on the country.
PS. private medical insurance may cover the private room thing. Also, doctors are effectively incentivized to give private room patients preferential treatment. So it is one source of inequality in Europe's health services.
So, tying up an ambulance for a couple hours because they "too good" for an ER (which would be completely capable of dealing with a broken leg)?
I can't decide if this is the "two wrongs make a right" fallacy or the "whataboutism" fallacy.
https://en.wikipedia.org/wiki/Two_wrongs_make_a_right - https://en.wikipedia.org/wiki/Whataboutism
At some point, someone sat down with a few other people and proposed "Hey what if we charge rich entitled people insane fees so they never need to wait among the proletariat for medical care, you know, the ONE TIME in life when everyone is more or less equal" and they went along with it and now it's a business. Because apparently, when you're wealthy, the best thing you can find to do with your money is demonstrate to everyone else (or at the very least shield your delicate eyes from the suffering of) those less fortunate.
Crap like this really makes me look forward to capitalisms inevitable collapse.
This is the moment where theoretical political ideas go down the drain and you pull your gold credit card.
The closest was communism and French Revolution, which failed, among others, the idea of equality.
It is just reality.