"Swiss health care is a blend of public and private, free to those who need it but with extra options for those who can afford them." The Adam Smith Institute asks: "Would it work here?" "Switzerland's healthcare system is fundamentally a compulsory insurance system—like the compulsory insurance system we have in the UK for our car insurance. You have to insure yourself or your family for a basic package of healthcare services. The premiums are the genuine price for that insurance, and are not related to income. You can shave off some of the cost of those premiums by taking a higher excess—meaning that if you do need treatment, you will pay more out of your own pocket."