It solves both the problems of free-market insurance by regulating and making insurance mandatory, and the problems of universal healthcare inefficiency and abuse by employing 10% copays on top of deductibles and competition between private insurers.
http://en.wikipedia.org/wiki/Swiss_health_care
It solves both the problems of free-market insurance by regulating and making insurance mandatory, and the problems of universal healthcare inefficiency and abuse by employing 10% copays on top of deductibles and competition between private insurers.