Universal multipayer. Health insurance is split two ways, into compulsory and voluntary insurance. Every single citizen has the compulsory part. This is regulated by the state and funded by taxes. If you're employed, your employer pays this. If you're unemployed, disabled, etc. it's paid by the government. The compulsory part covers all emergencies, and 70% of the cost of everything else. The voluntary insurance is carried out by health insurance companies, costs around 30€ per month and covers everything. If you have both of these, as most people do, you never have to pay anything out of pocket, except certain experimental treatments or elective cosmetic procedures. This means that you never have to pay out-of-pocket for anything. GP visits, emergency visits, hospital stays, prescription medicine, it's all covered.

But..we do have a bit of a problem with wait times for certain stuff. All emergencies are obviously treated immediately, but if you for example have something like varicose veins that need operating, you could wait for over a year. If you want to skip the line, you have to pay for the whole thing out of pocket. But even that isn't nearly as expensive as in the US, for example.

All in all, it's not a perfect system, but I'm still extremely grateful for the peace of mind that comes with having complete health coverage.