HI there, we live in the Highlands and are both in our mid 40s with no kids but there are a few medical centres here that bulk bill so we've not found that a problem.
However, the dentist is another story! $80 for a check up and $165 for a clean! And I used to pay about 25 quid for a clean! The NHS is really one of it's kind and again something you don't appreciate until you have to start paying for services.
I dread to think though if you have a lot of health problems how you would afford it here! I hope to go back to the UK when I am older though as I would be worried unless I had private health insurance in Oz!