NHS Waiting Times Hit Record High — Here's Why More People Are Going Private
NHS waiting lists in England currently sit at around 7.4 million cases — and despite government targets, the backlog is proving difficult to shift. For millions of people waiting months or even years for treatment, private health insurance is increasingly becoming the practical solution.
What the Latest Data Shows
According to NHS England's Referral to Treatment (RTT) figures, the waiting list has remained stubbornly high throughout 2026. The situation is particularly acute in Wales, where the waiting list rose for the fourth consecutive month as of September 2026.
Key statistics:
- 7.4 million people waiting for elective treatment in England
- Over 300,000 people waiting more than 52 weeks for treatment
- Wales waiting list has risen every month since May 2026
- Average wait for a first consultant appointment: 14+ weeks in many specialties
Record Demand for Private Healthcare
The knock-on effect on private healthcare has been dramatic. PMI-funded admissions hit a new record high in 2026, according to data from Broadstone, as people lost patience with NHS waits.
16% of UK adults now access private healthcare in some form, up from just 9% in 2023. That's nearly one in six people.
The Most Affected Specialties
Orthopaedics — NHS waits of 18 months or more are common; private patients typically seen within weeks.
Mental health — NHS IAPT services are overwhelmed. Private policies covering mental health are increasingly in demand.
Dermatology — Skin conditions that need consultant review face 6-12 month waits on the NHS.
Cardiology — Diagnostic tests like echocardiograms have long queues; private insurers cover these routinely.
What Does Private Health Insurance Actually Cost?
For an individual aged 30-40, a basic policy starts at around £30-60 per month. Even mid-range policies typically include fast-track 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, the argument for locking in cover sooner rather than later is strong. Pre-existing conditions are usually excluded from new policies — the healthier you are when you buy, the better the cover you'll get.
See our guide: What does private health insurance cover? →
Last updated: September 2026. Sources: NHS England RTT data, Broadstone PMI Market Report 2026.