Comment by rahkiin

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