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This lecture explores the challenges of innovation in the context of sustainability and democracy, focusing on the Swiss healthcare system as a case study. The instructor delves into the financial aspects of healthcare expenditure, the comparison of healthcare costs internationally, and the funding sources of the Swiss healthcare system. The lecture also addresses the issues of rising healthcare premiums, the impact on individual budgets, and the evolution of healthcare costs over time. Furthermore, it discusses the Swiss health insurance system, the mandatory health insurance coverage, and the different components of healthcare expenses. The lecture concludes by examining the dilemmas and complexities surrounding healthcare innovation, the rising costs, and the need for sustainable healthcare financing.