> That "very similar" does a lot of heavy lifting for you.

The critical point if my claim is whether or not they are mandatory. Pillar 2 is mandatory for employees. Whether employees are forced to fork their cash to the state or to a private management company doesn't change the scheme or the benefits you get, but it changes OP's number.

There's plenty more to say about the way pension schemes are set up, their benefits and drawbacks, but that's unrelated to my point.

> Care to elaborate why French middle class (we are on HN after all, not on Jacobin) would be worse off on Swiss health care model, for example?

I'm going to talk about the French as a whole here. The key metric to me is the share of money collected that is paid back to beneficiaries. In private insurance systems, it is usually between 75% and 90%. The french assurance maladie is between 96% and 99% [1].

[1]: https://www.securite-sociale.fr/dossiers/quels-sont-les-cout...