You are not charged for GP appointments. Its true that there is the risk excess, but its 385 euros not 500 and only if you get prescribed something. The GP appointments do not count towards this risk excess. Kids dont have an excess.
If you earn 30k a year you get 126 euros a month subsidy. You get subsidy until you are at 40k, that is for single people, a couple can earn up to 50k. Fulltime minimum wage is 30k, so if you earn less than that you get the full subsidy amount.
By the way the cheapest health insurance is 142 euros, not 166.
So the max someone on less than minimum wage has to pay is 142 - 129 = 13 euros per month, plus the annual risk excess of 385 euros. Most councils have local subsidies for the risk excess too, for people on benefits.
If you pay the health insurance you can access the care, nothing to do with far right immigrant issues. My British husband has had no problems accessing care.
At least care is accessible here, unlike on the NHS, which put my husband on a year waiting list for physio when what he really needed was an operation. I've also not had grandparents on a trolley in A and E overnight, my husband has. I know which system I prefer.