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In NL for instance, all employers don't hávethe choice: they háve to have decent (health too LOL) insurancies. Same applies for people without a job. Everyone does have a health insurance, too those without a job.
Because costs went so sky high for employers, they dropped insurance all together. I have not had any health insurance for 8 years now. I only work 3.5 months a year. I can't afford to buy insurance at those rates. Period.