Around 85 percent of Germans are insured through the public, statutory insurance program, the remaining 15% is provided by for profit private companies. Germany’s healthcare provides a universal, comprehensive care service and almost nobody (less than 0.1 percent of the population as of 2015) lacks health insurance.
I found this article helpful in describing the German health system. Some quotes from it:
“Though mostly public, the German health insurance system is not a state-run system like the National Health Service in the United Kingdom. In fact, more than 100 different health insurers, known as sickness funds, compete for members in Germany’s comparatively decentralized system. These sickness funds 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. The commission has 13 voting members, including 5 from the sickness funds, 5 from doctors and hospitals and 3 neutral members. The German system is thus not state-run. Nor, however, is it a private, for-profit system like America's. The sickness funds are non-profit organizations, and generally speaking, no money is exchanged at the point of service when Germans go to the doctor.
Most Germans' health insurance contributions are deducted from their paychecks by their employers. The amount, however, is capped at 14.6 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.”
www.handelsblatt.com/today/politics/handelsblatt-explains-why-germans-love-their-health-insurance/23569646.html?ticket=ST-4246418-kyz0kXJ5LGXsyC6IAcDA-ap6