[furyg3]

Not here in NL. My monthly premium for myself and child is around €130 for a premium plan with a €500 yearly deductible, and most normal costs and doctors visits are excluded fro this. I had an injury that required surgery and physical therapy and did not hit this deductible.

Someone I know had cancer which required two years of therapy and also somehow did not hit their yearly deductible. A friend had a burnout and needed therapy over a long period of time, also very little personal costs.

This premium that I pay is more or less matched by my employer, that money goes into a fund to balance out insurers who have more risky demographic coverage. The government does offer subsidies for people who cannot afford the monthly premium, this obviously comes from taxes.

That’s pretty much it for funding the system. Personal premium + employer premium + tax subsidies for the poor. Dutch people complain about costs ‘spiraling out of control’, and it is true that over the years healthcare has gotten more expensive, but these criticisms are laughable when compared to the US.

It’s possible to fix the US healthcare system. Just pick any other western developed nation at random and do what they do. You’ll be better off.