In Germany health insurance starts on a certain amount of around 200 euro a month, which you always have to pay, even if unemployed, and then progressively gets more as you earn more. For a normal income 350 would be pretty normal, but your employer pays it in your name. You can also get private insurance if you want something fancier, however the quality is always high any way.
If you’re unemployed or are ill you can get welfare though, and they’ll pay it for you.