In Germany we have a two-prong system of public and private health insurance, so the richer folks actually remove themselves from the solidarity system, leaving the middle class with good jobs to pay for most of the expenses.
In neighboring Nederland, all healthcare is privately insured and administered but the costs are capped by the government with small increases for inflation every year. Having insurance is also mandatory so nobody is left out. If you can’t afford it, the welfare system also picks up your monthly premium.
For people who use more resources, there is an annual deductible of around €500 per person that resets with the new year. After you pay the deductible, the rest of your care and medication is free.
Personally, now living here 2 years, I think it’s a good system that compromises in many of the right areas. My biggest complaint is that your GP is the gatekeeper to all other care, so if you are certain you need to see a specialist, you’ll need to convince your GP first. That all fine and dandy when we’re talking about an ENT doctor for example, but hella annoying when you need to get a referral for a therapist that is covered by insurance. The Dutch drug prices are also ridiculous (allergy meds and other specialized OTC drugs are insanely expensive) but luckily I can order them online from Germany for much more reasonable tariffs! ;)
The German system is interestingly (but not surprisingly fucked up). In Switzerland there is a mandatory health insurance (which provides for most healthcare needs), but insurances are private companies which charge different prices for the same service (because of course they would), which vary greatly according to which village you live in (because our “states” negotiate the prices with the health providers and then insurances, through a very transparent and understandable system; I am kidding of course, probably the people designing it don’t even understand it fully, citizens and politicians damn sure don’t). Prices have been steadily rising for my whole adult life with no end in sight. There have been some tries to get rid of that in favor of universal healthcare managed by the state, but the people said “no” because they fully understood and weighed the issue (I am kidding, the people defending the current system just bought more ads than the people pushing for change).
But hey, at least getting run over by an ambulance won’t bankrupt you! Silver linings, eh?
Is it similar in other european countries?