Similar costs yet I'm sure the HMO spends a lot more on hygiene than the inferior NHS

Really? You think that having a bunch of government nitwits in charge of health care will make it better? They will make it more deadly (lifespan in UK improve lately?), they will make it dirtier (see UK hospitals turning sheets over for the next patient), they will make it bloodier (see UK citizens pulling their own teeth because they can't get in to a dentist).

I'll trust an HMO any day.

Nothing can be worse than the NHS.

I have never had a problem with Kiaser. I have no waits worth mentioning, good preventive care, timely surgeries when needed with no complications. The same goes for many others who have it that I know. For a while when I was unemployed I just bought my own coverage through them and it was only 150 a month with

<got cut off>
with....

a 20 dollar co-pay for Doctor Visits, Free Nurse Vists, and 10 Dollar Co-Pay on Prescription Drugs.