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If you are below a certain taxable income you get a reduction to premiums, which is pretty nice. This happens automatically based on your last tax report, so it’s not a case of aid being available, but not being used because people don’t know about it or are too shy to ask for it.
Obviously this doesn’t solve the problem of rising premiums / health costs, but at least it helps people with small incomes.
If you are “forced” to use WhatsApp because many of your contacts are using it, you could use it to run WhatsApp and set-up a bridge to Matrix: https://docs.mau.fi/bridges/go/setup.html?bridge=whatsapp