> With private, you get exactly what you want, whenever you want it.
In the US this isn't how it works. You can't see whoever you want unless you have a really, really good plan. Otherwise, you need referrals. And lots of specialists won't see you without a referral anyway.
And, the wait is often on the order of months. I know that's something people complain about in the UK but I assure you, it happens that way in the US too even though we're paying 10x as much.
I know private in the UK is quite good. What you need to understand is that the only reason it's any good at all is because of the NHS. It has to remain competitive. If you go full private, then it very quickly decays.
In the US if I want to see my primary care doctor I need to wait 2 months for the appointment.
I pay $500 per month for the privilege (and a $50 copay)
So I’m paying $1000 in the time period where I’m getting no service.
A specialist also requires a referral in the UK. There are also much more medicines which are prescription-only than in the US.
That's why in practice we have all these (private) services to get easy GP appointments via phone, video or even online forms. While everyone knows those appointments can't realistically do any real medical work, they serve to give you prescriptions and referrals.
It's just a gatekeeping mechanism, that you can more easily bypass if you have money. The more you pay, the more they care about your user experience and how streamlined it is.