In Australia universal health care legislation has been honed for 40 years.
You decide the insurer, not the employer. If you change employers it doesnt matter, the insurer follows you. Families get charged exactly twice the single rate, no matter how many children. If you opt out & rejoin later, you pay extra into the pool based on a formula. Preexisting conditions are exempt for max 12 months. You can choose public or private hospitals. Doctors decide the treatment, not the insurer. All this is legislated so the rules are consistent across all health insurers.
All health insurance in Australia is nationwide.
If you DONT insure, you pay an extra 1% tax.
Medicare Levy Surcharge
Nobody want to pay this tax so virtually ALL the working population is insured, and in national insurance pools - thats how you keep costs under control.
News to me.