This is the Singapore approach to everything the govt offers. Unless citizens have “skin in the game” over utilization happens. So even if you’re destitute, the govt will ask “well, what can you pay?” and if it’s $20/month for rent, we’ll, your rent is $20. Same with healthcare. Destitute? Ok, the gov’t will cover 99% of the cost, but we need you to pay $20. Private insurance had plans that paid 100% of costs and the govt created a regulation banning it. The end user must pay something.

No saying it’s the right approach or not, but it’s an interesting one.