Neither the UK's monolithic NHS that combines single-payer insurance and (more or less) 100% free on delivery with no membership card, nor Canada's single-payer insurance with no legal private alternative, is the norm internationally. Germany, Austria, Switzerland, and the Netherlands all have Obamacare-like systems with dozens of competing private insurance plans with premiums. 30% copay is the norm in France's three separate government insurance plans. Australia has single-payer insurance but people are heavily incentivized to move to private plans. Etc., etc.