Adding to my previous comment: the French health "insurance" is a bit of a misnomer. It is as much an insurance as a wealth redistribution mechanism, and the "premiums" are not a function of your health risks but of your income, i.e. it is effectively a tax. If you believe that health-care should be granted at the same level regardless of material status, it makes sense.

In other words, the French health "insurance" is meant to at most break even, or run a deficit (which it does).