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@ Traveler your name implies you were not a Guernsey resident when faced with that bill? There are local health insurance schemes to provide cover for medical costs, yes an outlay but unless the populations wants to pay a lot more tax there is not the money to make it 100% free. The UK is not a good example as the NHS is drowning in escalating costs both burden of meanagement but also burden of increasing demands on the health service. Having an accident is one thing being sick through life choices is another.