Milloy
Yes you are very correct on the new law on healthcare, unfortunately some people read things and misunderstand the subjects and give false information.
With prescription charges you have to pay full price for the medication until retirement age then it is a reduced price.
The government were doing a scheme that you can pay into you can check if this is still available on there site.
The charges were slightly less than going self employed, however the rules regarding self employment are being looked at by the new government.
Hope this is a little help
Kind regards
Ed