I thought the German system was "better" because so many are paying insurance?
@LilacTree1, from an article about the German model in case of interest who it must be noted spend the highest percentage of GDP on healthcare in Europe and whose insurance system for 85% of its population is v different to the American model.
“healthcare is not a state run system like the NHS but only 15 per cent of it is comprised of private profit based insurance. 85 percent of Germans are insured through the public, statutory insurance program. There are about 100 insurers who are non-profit, non-governmental organizations that operate autonomously. The government does play a key role in setting standards. For example, all sickness funds are required by law to offer the same comprehensive benefits package, which covers virtually all health care needs. But it is a non-governmental body, the Federal Joint Commission, which decides what benefits are covered.
People earning over around 62,550 Euros gross salary can opt out of the non profit insurance system, plus some other groups like self employed, and pay for private profit based insurance companies. Germany spends something like 11.1% of its GDP on healthcare, whilst the UK is I think around 9.8% if you include both NHS and private care.
Most Germans' health insurance contributions are deducted from their paychecks by their employers. The amount, however, is capped at 15 percent of a person’s salary, split fifty-fifty between the employer and the employee, so 7.3 percent each way. But coverage is not dependent on the employer, so when Germans change or lose their jobs, nothing changes in their health insurance. Premium contributions, moreover, cover the full range of benefits. Co-payments do exist in Germany, but they are limited. For example, Germans have to pay €10 per quarter for outpatient care, between €5 and €10 for prescription drugs and €10 a day for hospital stays.”