There is universal healthcare through compulsory national health insurance (premiums subsidized if needed).

However, the insurance only covers a portion. About 10-20% will come from a forced medical savings account.

Then there is the cash part of the cost.

The government has designed the entire system to make sure no patients pay $0 of their own money. Even indignant patients will work with a social worker to figure out what they can pay. If it's only $2, then they are billed $2.

It's a pretty good system in terms of keeping costs down, keeping patients involved in the cost of their care, yet ensuring nobody goes without critical healthcare.

The issue with the US is that it's kinda set up for patients to be at the center, but misses critical components (like price transparency) to the point that even though patients are required to manage their own healthcare financiing, they aren't actually given the tools to do it efficiently.