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They should also reform the insurance-program. I'm now going to speak for the Netherlands but I assume that it's the same case for the majority of the EU.

What we have is simply a case of everyone is obligated to have basic insurance (for me that's about 30 euro a month). If you are below a certain income, the government will compensate for that through your welfare-fee.
Now, for anyone with enough cash you can get further basic insurance - for instance, I pay 50 a month but that is because I have a full dental-coverage.

Then there is a no-claim thing, additional insurance, etc. etc. but I guess that's what it takes for the US aswell.



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