WriterAlexis
Well, the central issue is that most do not understand is that "health insurance" is a misnomer.
We in German call it "Social insurance" (Sozialversicherung) too, but the "insurance" part is used in secondary meaning: not as this is an insurance, but this is not a free, tax financed benefit, this is something only people that pay into the system get benefits out. Different from say the UK or some Scandinavian systems where basically all residents are covered by the national health system, which are basically paid by the government so or so.
(People on benefits either get basically the same benefits paid directly from the state, basically the state acts as "health insurance" Austria, or if I caught it correctly, the state pays into the system for the benefit recipients)
Insurance to work (ask an actuarial) require a number of irritating things, that today do not apply anymore because of rather brutal advances in diagnostics. If an insurer can calculate too well the risks of a "customer", he will reject costly patients.
So healthcare is actually a societal solidarity project of distributing the costs of healthcare over the whole population (or a subset). That's why in the European model, the cost (the pay in) is generally tied to your income (usually capped), and not your health. OTOH kids are usually included for free. Non-working spouses often too.
The core point is, health care is very bad fit for insurance.
