why are private health services non-affordable for the common man
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According to statistics available, cost to the nation is same from both government and private. Only difference, government - money comes indirectly from taxes, private is direct billing.
You can check on internet - 70% of healthcare provided by private sector 30% by government, 70 % 0f healthcare costs private 30 % government. So, essentially, no difference in cost to nation.
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