While there are certainly voluntary insurance options in Germany, there are 5 main government insurances that are
compulsory:
Health insurance
Long-term care insurance
Pension insurance
Unemployment insurance
Work accident insurance
Germany Guide: Social security, The German social security system Insurance policies can be divided between co
These are each social programs like Social Security (though not identical). Can you imagine if we were to replace Social Security with universal healthcare and universal pension insurance? I'd be willing to make that deal.
I'm having trouble finding information about Austria.