@faithfullyhis4ever Experience in Zurich, Switzerland, been living here for 2.5 years.
I got an IUD, made an appointment with a gynae, he was really nice and unjudgmental, explaining all the options. I'm on a student health insurance, the first appointment was covered (one checkup per year covered), but all the rest I had to pay myself. We had 3 appointments total, initial appointment, insertion appointment and checkup appointment. Will have another 6months after insertion. The IUD itself cost me CHF500 (~515USD).
Morning after pill you can get easily at a pharmacy after talking to a pharmacist in a little room and filling out a form, it costs about 50CHF.
Antibiotics for UTI you can also easily get at a pharmacy OTC, there's a version which has only one pill, and they told me since UTI are common and easily diagnosable they give the antibiotic OTC. Think it cost in the range of CHF30.
Condoms, lube etc is available many places, there's even erotic shops which sell sex toys and lingerie, I would say people are quite open about sex in general so it's not a taboo.
Conclusion: everything is available but it's quite expensive and I had to pay everything myself except one appointment because I am on a cheap student health insurance (I'm from abroad).