Both my husband and I have experienced adequate healthcare in the Netherlands, that is affordable. We pay about 310 euros a month for our entire family including some dental and alternative health insurance. Our daughters are free until the age of 18 years old. My husband has been treated twice for a benign brain tumour within 6 weeks of diagnosis, and I had a couple of life-threatening illnesses in which I received immediate care. There are no co-pays on the GP visits, but some thresholds exist, particularly for alternative care. But the difference is affordable. Both my daughters have had their acne treated, half paid by the insurance and half paid by us. Overall it is proof that mixed social and private health care models can work. Specialists are affiliated with hospitals or medical centres.