Thess enable people to save for future medical treatment yet keep control of how the money is spent. Because the money comes out of their own savings, people have an incentive not to waste money (something that happens quite often in the French system and indeed in many insurance-based systems).

Incidentally, when in Miami recently I asked about how many MRI scanners there are. I was told that there could be as many as five in a single street. There were competing MRI scanning centers. How long do you have to wait for a scan?

You could have one today. (In the NHS, you can be asked to wait six months or more.)

I don't think that the American healthcare system is good. It isn't. It is a mess in many ways. It is just that the NHS is a much bigger mess and thousands of people die premature deaths each year because of its marked inferiority to the systems in practically all other advanced countries.