L233 said:
That's not the point. Let's say a universal health care system does not cover certain services - nothing stops you from paying for them yourself.
Assuming it's legal. Some countries with socialized medicine are playing with the idea of banning it. Britain is one, because they will cry that if people are allowed to go "outside the system", it drives up the price of doctors and equipment by drawing them out of the public market.
But I see your point. In a non-universal system, health care is rationed, too. To those who can afford it.
Almost every physical good and service in the world is "rationed" according to this usage, because they are non-infinite scarce goods. Communism rations the goods by assuming each person "needs" and "wants" a certain slice of them, think of this as TDMA, time-division multiple-access. The finite resource is "time shared" by allocating goods in timeslots to people awaiting access, since the number of concurrenct users is limited by the bandwidth of the resource. (e.g. number of concurrent MRIs possible)
Capitalism is more like packet-switching. Each person has differing desires and time preferences for goods. Some don't mind waiting, and thus will get the good/service when a slot becomes available, and they pay a low price. Others have very strict time preferences, and thus will pay premium to have access to goods before other people.
I'll pay premium for a Radeon 9800 XT, others will wait 6-12 months and get it for 1/3 the price. I'll pay to have instant gratification in my healthcare, others don't mind waiting 2 weeks for an appointment at less cost.
The issue isn't rationing, since all non-infinite resources are "rationed", the issue, as Neo would say is "choice" Who gets to decide the rationing? With socialised medicine, the decision is taken from me, and decided by bureacrats designing a one-size-fits-all health care policy. With non-socialized medicine, the decision is up to me and my own means. Moreover, what plan coverage is different for each individual. I might not want dental insurance, or psychiatrics. Some people won't care about seeing in-network doctors vs non-network doctors, I do, so I pay more.
But the biggest issue is that "wait list" algorithm for allocation of finite resources is inefficient, and that's effectively what you get with socialized rationing vs market based rationing. If socialized style rationing were applied to any other kind of resource: getting phone service, ordering a plane ticket, people would be complaining loudly.
Imagine two weeks from now, you need to take a plane, but price controls have effectively priced every plane seat at $100, and therefore, everything is booked for the next 5 months. Everyone can fly cheap, but no one can chose flights in a short term manner. Some charter planes are still available, but the cost is now outrageously expensive.
Is your health care rationed? Well, mine isn't, and I don't need to wait anywhere near as long for procedures as you. My employer pays for mine, and I have the choice of 5 different plans (none (take cash$$ as salary), HMO, HMO+, PPO, and PPO+) at differing price levels. About 40,000 other employees at this company have the same plan.