NHS waiting lists in England currently stand at around 7.4 million cases. Despite government targets, the backlog has been difficult to reduce. For people waiting months or even years for treatment, private health insurance may offer another route to care.
What the Latest Data Shows
According to NHS England's Referral to Treatment (RTT) figures, the waiting list remained high throughout 2026. The situation is particularly acute in Wales, where the waiting list had risen for the fourth consecutive month by September 2026.
Key statistics:
- 7.4 million people are waiting for elective treatment in England.
- More than 300,000 people are waiting over 52 weeks for treatment.
- The waiting list in Wales rose every month from May 2026.
- In many specialties, the average wait for a first consultant appointment is more than 14 weeks.
Record Demand for Private Healthcare
Private healthcare has also seen increased demand. According to Broadstone data, PMI-funded admissions reached a new record high in 2026 as people sought alternatives to NHS waits.
16% of UK adults now access private healthcare in some form, up from 9% in 2023. That is nearly one in six people.
The Most Affected Specialties
Orthopaedics — NHS waits of 18 months or more are common; private patients are typically seen within weeks.
Mental health — NHS IAPT services are overwhelmed, and demand for private policies that cover mental health is increasing.
Dermatology — People with skin conditions requiring a consultant review may face NHS waits of 6–12 months.
Cardiology — Diagnostic tests such as echocardiograms can have long NHS waits; private insurers routinely cover these tests.
What Does Private Health Insurance Actually Cost?
For an individual aged 30–40, a basic policy starts at around £30–£60 a month. Even mid-range policies typically include faster access to consultant appointments, private hospital treatment, cancer cover and diagnostic tests.
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Is Now the Right Time to Buy?
With NHS waits unlikely to fall dramatically in the near term and premiums rising gradually year on year, some people may prefer to arrange cover sooner rather than later. Pre-existing conditions are usually excluded from new policies, so your medical history when you buy can affect the cover available.
See our guide: What does private health insurance cover? →
Last updated: September 2026. Sources: NHS England RTT data, Broadstone PMI Market Report 2026.