Overall, expanding access to private medical aids can only work with fewer schemes in the 'market'. Beyond GEMS medical scheme membership has been stagnant for more than a decade. Things like co-payments and the increasing need for gap cover (which is for profit insurance) surely tells you there is something very wrong with the private medical scheme sector? How do you see those issues being resolved? Regardless of whether or not the NHI fails, the private medical scheme sector needs a shake-up. So reduce the number of schemes, address for profit administrators (this would also eliminate the need for brokers) and regulate pricing for PMBs