If you are a healthy and/or young person, your rate will always go up in any social system. There no way around this. Germany has universal healthcare, but hig

If you are a healthy and/or young person, your rate will always go up in any social system. There no way around this. Germany has universal healthcare, but high income citizens can (could?) opt out to private insurance. It's good when you're young and single as it's way cheaper. But for most people it becomes more expensive than the goverment system by the time they're married and get kids.