Which is often supplemental insurance (akin to Medicare Advantage in the US). If you lose that your cancer or fertility treatment doesn't suddenly stop, or you won't go bankrupt due to an unexpected medical problem.

People, even in the US, often forget that the US has European style healthcare coverage it is just restricted to those above the age of 65. People over the age of 65 also make up the largest voting block, and politicians in the US often hurt younger demographics to benefit the retirees as a direct result.