You don’t actually have to pay for your own, but you are taxed an extra 0.5% if you don’t and earn above a certain amount. So in practice rather than pay the ad

You don’t actually have to pay for your own, but you are taxed an extra 0.5% if you don’t and earn above a certain amount. So in practice rather than pay the additional tax, people get private healthcare. If you then start earning below the threshold you can cancel the private healthcare and go back to the public system.