The Netherlands has universal health insurance — and it’s all private

NIJMEGEN, Netherlands — Dr. Elise Nillesen walks briskly toward a compact SUV striped in red and yellow, the evening twilight fading. She slides into the passenger seat, stethoscope tucked in her handbag and a small pharmacy in the trunk, and heads off into the chilly November night. With her driver, Henry, who is trained in basic medical care, Nillesen roves the small Dutch city of Nijmegen as a one-woman primary health care clinic. Once they leave the hospital building that serves as home base, where Henry has set up a…

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