Netherlands
While Dutch residents are automatically insured by the government for AWBZ, everyone has to take out their own basic healthcare insurance (basisverzekering), except those under 18 who are automatically covered under their parents' premium. If you don't take out insurance, you risk a fine. Insurers have to offer a universal package for everyone over the age of 18 years, regardless of age or state of health – it's illegal to refuse an application or impose special conditions. In contrast to many other European systems, the Dutch government is responsible for the accessibility and quality of the healthcare system in the Netherlands, but not in charge of its management.
AWBZ
The Algemene Wet Bijzondere Ziektekosten ("general law on exceptional medical expenses"), often known by the acronym AWBZ, is a Dutch health care law that first came into effect in 1968. It aims to provide general insurance covering the Dutch population against special health care needs. AWBZ is mainly aimed at financing 'care', as opposed to 'cure', which is mainly financed by insurers regulated by the Zorgverzekeringswet. It finances most of the healthcare expenditures.