I believe this is more or less how it works in the Netherlands. Insurance is private and not directly paid by the state unless you're under 18 or you cannot aff

I believe this is more or less how it works in the Netherlands. Insurance is private and not directly paid by the state unless you're under 18 or you cannot afford it (but then subsidy is given to buy private insurance). Insurance is compulsory for everyone. It is well regulated. Insurers compete on premium options, hospital choice, etc. In practice, monthly insurance premiums are around 110-130eur per month with a minimum deductible of 385eur. GP visits don't cost anything additional and only specialist care eats into the deductible.