Belgium is pretty fair. NL requires you to pay between 100 and 150 euros per month or so (kids are free) and that covers everything, the rest is paid from the tax base so you already pay the income dependent part. The only bit that's nasty about it is the deductible, they really screw the poor people on that because of course only the cheap plans have high deductibles so those that can afford the least will end up with the highest costs when something does go wrong.