Elephant in the room?

It seems scarcely a day goes by lately without some doom and gloom story about the health service - be it GPs' surgeries, A & E departments or problems in hospitals, and I can't help feeling that our current "sticking plaster" approach cannot go on much longer.  And it's my generation who are mainly causing the problem.  We're living longer, which is nice, but unfortunately many of us are living longer in bad health, which is putting a strain on the aforementioned services.  And all this at a time when public money is scarce.  I've talked about this before, but has the time come (or even passed) when people should be required to take out personal insurance to cover their care in old age?  Is it fair that we oldies automatically look to the working tax-payers to look after us?  And the myth that the National Insurance payments we made while we were working would fund our health care "from cradle to grave" has long since been exposed as a fraud.  It's a big problem which frankly none of the major parties seem to want to confront, and I fear that one day in the not-too-distant future it's going to blow up in our faces. And as somebody staring down the barrel as it were, I am concerned.