Columnist Kyle MacDonald has an ethical objection to private health insurance.

Like many of us, he is frustrated that the public health system does not seem to be able to keep up with the funding demands generated by the healthcare we increasingly require and the constant pressure on DHB's to do more with less.

Like it or not, private health insurance is a totally rational response to a problem that will
always be with us – that advances in healthcare treatment will always outstrip our capacity
to pay for them.

The more people who take responsibility for their own health through private health insurance, the more the burden on the public health system is reduced.

That's not a criticism of the public health system, or of