Pretty spot on for most urban ppl, a few comments

- Private insurance is always up to one's own, very few employers provide this.

- If young, your parents or yourself have to pay for coverage until you graduate, otherwise no coverage.

- If elderly, depends on your employment history. To qualify, your employers have to contribute continuously for decades and it's tied with social security. Otherwise you are on your own.

- If working age but no job, similar to being young you have to pay.