In the Netherlands we have those two as well, but it is also regulated: - the cheapest plan must not cost more than 115 eur (dont know exactly), and it has mand

In the Netherlands we have those two as well, but it is also regulated: - the cheapest plan must not cost more than 115 eur (dont know exactly), and it has mandatory coverage (‘basisverzekering’) - there is a maximum copay of 850eur per year (‘eigen risico’) - some services are not allowed to have copay - low income people can have extra subsidies to pay for insurance - insurance is mandatory - insurance is a personal thing, not a work-thing. Your work absollutely knows nothing about your health insurance Due to the regulations it is not a big run to the bottom