Regarding Estonia, this is pretty misleading. Firstly, if you get laid off and register as unemployed, you have free healthcare so long as you're actively looking for a new job (there's more nuance to this, but simplified). Secondly, people who don't have a job but are not expected to hold one are covered for free (kids, university students, military service, etc). Even if you voluntarily quit and don't want to get a new job, you're still covered for two months after the fact. In general, the only people who don't have healthcare are people who have personally opted to not have a job and not seek one either.