Critics of the policy that allows the private system of health insurance in the United Kingdom focus on what they consider flaws in the model. They are concerned that private insurance premiums are too high and unaffordable for everyone except the wealthy is a waste of money because so few people participate in the private market should not receive taxpayer subsidies results in higher overall health care spending slows improvements in the National Health Service by taking pressure off the system and results in a two-tiered system