The whole rationale of paying your taxes and National Insurance throughout your whole working life is that when you retire the state which has been taking all of this money from you will look after you by means of a suitable pension and provide the health care you need.
Indeed we are living longer, as has been the case for centuries now, so there is nothing new here. Government actuaries would surely have taken this into consideration when working out NI and tax levels. For the Government to say to us that this is a new phenomenon is to put it politely "being economical with the truth". My fore-bearers were looked after by a mix of my contributions and their own and my care will be by the same method.
Anyone who has saved a little extra for their retirement is entitled to spend it as they wish without having to use it on paying for their basic care. People who have not saved are still entitled to the basic care promised. If there is not sufficient money in the system at the present time then it is the Government's responsibility to raise it through the normal procedures of tax and NI or to take it from somewhere else in the exchequer where their is a choice in how you spend the resources. There is presently no choice in providing care as it is an obligation freely entered into by successive Governments.
If the Government wishes to change this obligation then they must come clean and return or reduce peoples contributions to the system. Let the people vote on this and see what happens and not do it the Japanese way of death by a thousand cuts. Perhaps if it was put as a choice between 2 nuclear submarines or other similar choices or the care of our elderly population then it might concentrate minds a little more.