Incorrect. For example in The Netherlands it is mandatory to be insured. If you refuse to pay insurance, not only will you have to pay 100% of healthcare costs, you'll also be fined.
Yes, except that if you are not in a position to pay(make below X/year, are disabled, homeless etc etc) you don't pay anything. You have to have insurance, but depending on the circumstances you might not have to pay for it.
