I pay around 4,5% in the Netherlands, with the smallest 'own risk'. I don't know the English term for it, but if anything happens the first €350 in healthcare c

I pay around 4,5% in the Netherlands, with the smallest 'own risk'. I don't know the English term for it, but if anything happens the first €350 in healthcare costs for the year are on me (excluding family doctor visits). I could choose to pay more for a lower monthly cost, but I don't.