To put that in context, in the UK the average wage is £38k (we have a much wider distribution than on the continent)

The most we'd pay in tax is £8k: https://listentotaxman.com/38000?

that covers all our health insurance as well. There is no copay, there are no "your condition isn't covered anymore". The only issue now is wait times, but thats because we're balls deep in a pandemic.