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Not really true about Netherlands:
See the social insurance aspect? The largest financial burden to the Healthcare system is usually a person's last 5 years of life, so they've socialized the expensive parts of healthcare and privatized the cheaper stuff.
For Switzerland:
This isn't something done in every US state, to be clear. In some states it's very hard to access healthcare if you can't afford the premium. This lack of coverage often creates a heavier burden on healthcare systems because people are uninsured.
The Wlz (which replaced the AWBZ) covers only a minority of total health care costs. Expenses were €29 bln in 2023. "Mostly privatized" is accurate.
Both the Netherlands and Switzerland have universal health care systems and negligible rates of lack of insurance. My point is just that private health insurance isn't the (only) problem, as these counterexamples show.