We run a health insurance company at my firm for some € 100 in cost per insured per year (the Netherlands). We do full bargaining with suppliers on our risk, gi

We run a health insurance company at my firm for some € 100 in cost per insured per year (the Netherlands). We do full bargaining with suppliers on our risk, give yearly premiums up front and have to accept everyone for a pretty much standardized premium. Dare say we even try to innovate in combination with other private insurances we offer like disability as well. Of course required for this to work is quite massive government intervention. They lay the backbone for proper risk equalisation and we try to work with that. 20% of total health spending would be about a 14-fold increase. (It gets a little murky since parts of health are outside of our market and the responsibility of local municipalities.)