>A doctor's visit is a $150 minimum, similar to the US.

It's $20 to go to the doctor on similar priced insurance in the US.

Your $500/month is just a tax for healthcare. Your only advantage over the US is that it's not tied to employment. Ours is both a tax and a cudgel to force people to work.

We have the worst of all worlds because ours is a tax and a cudgel, but then we also have to pay tax to the state to fund the healthcare for others who can't or won't work. I wouldn't call yours the best of both worlds. It sounds like you're getting fleeced to a lesser extent, but still not great.