While I have no insight into the accounting systems within the English/UK NHS or the Scottish NHS (they are said to be entirely separate entities and funded separately), I would be most surprised if there is not a financial reckoning overall on services provided by one for/to the other, just like there is truly internationally. If I am wrong, then there is all the more reason to get these things sorted out - as independence would/will ensure. It is of course possible that currently, as with so much else within the UK, these issues are in a total muddle and nobody knows what is going on so everything becomes conjecture and hearsay, fertile ground for mud slinging, accusations and scares - and all this is managerially hopelessly impossible to deal with.
There are obviously those who do not understand that the process Scotland is going through is virtually unique and that not only is there little or no precedent but there are lots of issues that will have to be addressed and sorted out, that there are unknowns and unknowables. The same group will include those who insist on precise replies to how life will be after negotiations which have yet to be carried out. Had anyone suggested completing such negotiations before agreeing a referendum and in case there is a yes outcome, they are highly unlikely (certain not to) have found any agreement to start and even if they had they would almost certainly have got nowhere at all on any single issue. Therefore, the rather obvious choice was always going to be to have a referendum first and see if negotiations would be necessary, i.e. whether there was a yes result. That is indeed what has happened.
The choices voters are to decide on is whether or not Scotland is to run its own affairs entirely independently or else permanently leave at least some of them (all of them if devolution is at any time fully reversed by Westminster, for example in an "emergency" act) in the hands of the Westminster government.
The aftermath of a yes outcome would/will of course call for a lot of effort from all parties and the outcome will be uncertain until negotiations are complete. Those who support a yes vote (not just Mr.Salmond) trust in the ability of Scotland to govern itself and co-exist in harmony with other nations, including their former partners in the UK. They, in the event of a yes outcome, also have faith in good sense prevailing throughout and in particular that the rest of the former UK will treat them properly (not be vindictive or engage in deliberate obfuscation, obstruction or sabotage) in all future matters, including sorting out the separation.
The yes voters thus trust that both they themselves and their "fellow family members" possess the same amount of good sense and good will, that all matters will be dealt with harmoniously. In fact, they are confident that after separation the two parts of the former UK will be better friends than before, on completely equal terms as independent nations/countries. None of the matters that will have to be solved/settled are insoluble, in fact they are much easier to deal with than issues faced by long term sworn enemies.
Or is the yes camp's faith in their "family" south of the border misplaced ?