Britain's tax funded health system is no longer the world's envy, but a quaint oddity. It will remain in financial crisis until we bring far more private spending on healthcare. Health costs cannot be met by taxation alone. The Institute highlights three areas where funding could be changed. The first is competing funds where 'NHS tax' contributions are paid into a number of 'social insurance funds' of their own choice. The second is charges where there should be co-payments for some minor services, as already happens in Europe. The third is cost, taking the responsibility for healthcare funding out of central government and handing it to private or non profit social insurance funds, will increase what we spend on healthcare.