[TheGame]

I don't think either option is reverseable. Its not like they can open up the market 5 years and say "Oops, that didn't work.. everyone drop your national insurance, we're going back to the old way!". In both cases, the only thing they can do is build onto the ideas that they had offered if it fails.

I think in one option you trust that private insurance companies will lower the rates, and in the other option you trust that the government will lower rates. But neither way is really reverseable.