How Germany’s Universal Health-Care System Works
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How Germany’s Universal Health-Care System Works


Seventy percent of Americans
say the U.S. health-care system is in a state of
crisis or that it has major problems. That’s why we’re hearing a
lot about Medicare for all, including some plans going as far
as banning private health insurance companies altogether. On page eight of the bill, it
says that we will no longer have private insurance as we know it. And that means that one hundred
and forty nine million Americans will no longer be able to
have their current insurance. That’s in four years. I don’t think that’s a bold idea. I think it’s a bad idea. Problem. Senator Sanders, with that damn
bill that you wrote and that Senator Warren backs, is that it
doesn’t trust the American people. I trust you to choose what
makes the most sense for you. Not my way or the highway. One country found a way to
provide universal health care coverage while maintaining a competitive insurance
market that offers citizens more choices: Germany. Here’s
how they did it. In 2017, U.S. health care spending came
to around $10,200 U.S. dollars per capita in Germany. It was a little under $6,000. Overall, Germany spent about 11.2 percent of its GDP on
health care, while the U.S. spent 17.1 percent. Germany manages to cover
100 percent of its population. In the United States, about 8.8 percent of the
population remains uninsured. That comes to about 28 million
people with even more people underinsured. Despite spending less, Germany
has better or comparable health outcomes to
the United States. Studies show that in Germany, there
were fewer deaths that could have been prevented with proper
access to care. In 2013, there were 83 avoidable
deaths out of every 100,000 people in Germany, while the
United States had 112. Life expectancy in Germany is 2.5 years higher than the United States,
and the infant mortality rate is lower in Germany, with 3.3 deaths per 1,000 live births
as opposed to 5.8 deaths in the United States. Additionally, the maternal mortality rate
in the United States is more than 2 times
higher than in Germany. So how does Germany manage to
have better health outcomes while spending nearly half as much
as the United States? Germany is a system that would
look familiar to Americans in that everybody buys health insurance from a
private company and then the doctors and the hospitals and the
labs are almost all private. That’s T.R. Reid, author of the
book “The Healing of America.” He traveled the world exploring different
health care systems and how well they worked. But it works better in
Germany for a couple reasons. One is everybody is covered. Everybody is required
to have insurance. Everybody’s in the system. The insurance companies can’t turn you
down because you had cancer last year or something, they
have to take you. They have to cover you. Everybody has access to the same
treatment and all the doctors. You can go to any doctor without
any limits set by the insurance company. In Germany, health insurance is
mandatory for all citizens and permanent residents. There are two different systems that
residents can turn to for insurance. SHI, which stands for
statutory health insurance and PHI or private health insurance. German citizens are eligible for PHI if
they make more than a roughly 60,000 U.S. dollars per year or if
they are self-employed . Citizens making under that threshold
must pay into S.H.I. S.H.I is made up of a network
of competing, not for profit private health insurance funds known
as sickness funds. In S.H.I., dependents are covered free
of charge and monthly costs are capped around 840
euro per month. Even though S.H.I sickness funds
are not government agencies, many Germans think of them as part of
a public system because of heavy regulation. Keith Tanner helps expats
navigate the German health care system and he considers SHI
sickness funds quasi -public organizations. Basically, they have to
do what they’re told. They they are told by the government
in what range they can charge. They they’re told what health procedures
they can fund and they are told by the government who they
can accept as clients so they’re really just carrying out orders. They’re basically charities. They don’t exist to make a
profit for investors like American health insurance companies. They’re there
to keep people healthy. That’s what they’re there for. They follow all sorts of
rules that American insurance companies wouldn’t dream of. This system is funded through
compulsory contributions based on a percentage of citizens’ salaries with
employers sharing the costs. There are also built
in safety nets. The government will pay into S.H.I. on behalf of the
long term unemployed. Despite being non-profit organizations,
sickness funds compete for customers by offering specific
coverage and perks. This competition has changed over the
years as the system has allowed citizens more choice. As of 2019, there are about
100 statutory health insurance companies, but there used to be many more. When Germany’s system was first
established in the late 1800s, sickness funds were linked
to a person’s profession. It used to be that people were
assigned to a specific sickness fund based on their
occupation or region. Now Germans can choose where they enroll
and they can change funds on a yearly basis. As a result, sickness funds begin
marketing themselves in order to retain customers and
attract new ones. This also led to the funds
merging so they could become more competitive. Some of the sickness funds
offer perks that might seem similar to credit card rewards. You still can get a bonus for going
to the gym and a bonus having a checkup. This is in
the public system. And if you get a certain number
of bonus points, then you get a voucher. But kind of trivial stuff like
200 euros a year or something like that. 200 euros a year. Nothing which is particularly relevant
to the person who’s paying their 840 a month. As of 2017, roughly 87 percent
of Germans receive their primary coverage through S.H.I. and 11 percent of
the population through P.H.I. The remaining population, such as
soldiers, police officers and refugees receive health insurance
through specific government programs. All individuals
insured through P.H.I. pay a risk related premium with
separate premiums for each dependent. These risk based premiums mean that
costs will increase as the insured gets older. As a
result, the government regulates P.H.I. so people don’t become overburdened
by premiums as they age. The biggest issue with private health insurance
if you opt out of a public system is affordability
in old age. If you don’t impose these financial
constraints on insurers, then the government will be lumbered about a whole
lot of old people who reach 85, 90, 95. It’s gonna be totally able to
pay for their health insurance, so it’ll all fall back
on the government. Once someone switches to P.H.I., they can not switch back to S.H.I. in the future. But Tanner says
there are ways around that. If you’re a freelancer in the private
system, you just can’t get a job paying less than the threshold. Any employee earning under about 5000
euro a month is required to have public. If they own more than
that, they can opt out. So if you are a freelancer, you
want to go back into the public system for some reason. Then you’ll get a part time job with
a friend, pays you 500 a month for a few months, and then
you react in the public system. So there are ways to do it. The
only reason you probably want to do that, though, is if you have
lots of children, because children can be covered free in the public system,
in the private system, have to pay separately for each child. Germans can also buy supplemental
private insurance while staying in S.H.I.. For example, many Germans
buy supplemental dental insurance. The public system pays like for
major dental work, about half the cost and then you get supplementary to
take it up to 80, 90 percent of the cost. Germany’s system is not perfect. With so many different insurance
companies, there’s a lot of bureaucracy that contributes
to costs. One of the financial things thinking
it’s a big system administered by more than 100 organizations is
called krankenkassen, each of those has a head office and a president
and vice president and a financial officer, a whole lot
of unnecessary bureaucracy. This may be one of the reasons that
the German system is not as cost effective as other
European countries. More than 30 percent of both
Germans and Americans felt bureaucracy was a major issue
in their country’s system. Wait times can also be an
issue for people in S.H.I. Thirty seven percent of Germans cite wait
times as one of the biggest problems within their system, while 22
percent of Americans feel the same. Generally I think people are quite
happy with the public system. It works reasonably well. The major issue in big cities
— I’m in Berlin, Munich, Düsseldorf, Hamburg. It can take quite a while
to get an appointment with a specialist. It is the case that
the doctors prefer private patients because they own up to three times
more if they see a private patient. So what can the United States
learn from the German system? Germany has managed to balance
cost controls and universal coverage while also maintaining competition. And Germans generally
like their system. In one survey, not a single German
said they had to wait more than four months for an elective surgery,
while four percent of Americans said that they had to wait that
long for the same kinds of procedures. And only 7 percent of
Germans said they experienced a barrier to care because of cost in
the past year compared to 33 percent of Americans. Those citizens really like it. They like the fact
that everybody is covered. They like the fact that
the costs are totally predictable. You know what it’s going to cost
you and how much your insurance company is going to pay you before
you walk in, unlike the United States. They think it’s normal that
the insurance company pays every claim. They can’t believe that insurance
company might deny a claim. And they think it’s normal that
they get to choose the doctor. They don’t understand America, where
the insurance company says we won’t cover a doctor Jones. You have to go
to Dr. Smith instead. So the main thing I learned in going
around the world is you have to make the commitment to provide
health care for everybody. That’s the destination. It turns out there are many
different routes to that destination. I found, you know, the Canadian
model, the French model, the British model, the German model. They all get to this goal
in different ways and different models. So I don’t care what the model is. I think it’s important that you
make the commitment to cover everybody. And this is something
the world’s richest country has never done.

About Bill McCormick

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100 thoughts on “How Germany’s Universal Health-Care System Works

  1. It sounds more complicated than Medicare for All. This is akin to Obama care. I do not like a two tier system it lends itself to shady dealings..

  2. Why do these things never do an evidence-based comparison? Every single graph used was an opinion survey. Who cares whether people complain about wait times? What is the objective wait time in days for an MRI or for an elective surgery? You need objective, qualitative data to make these comparisons.

    Further, no one ever addresses the elephant in the room regarding American healthcare cost: innovation. Research costs money and the vast majority of new drugs and medical devices come out of the American system. Then a huge proportion of those is either sold at significantly reduced cost abroad or outright given away as charity. The cost for that generosity is borne by the American consumer, while the world benefits. Then there's the infrastructure problem. Germany is much smaller and has a denser population than the US. To build suitable infrastructure in the US, you need a lot more facilities due to simple travel times. Telemedicine and air ambulances only go so far and the latter is atrociously expensive.

    Honestly, CNBC could be just as disingenuous about the Cuban system and never tell you the docs are paid poorly, or the UK system which is critically underfunded (London is the banking capital of the world, and they can't afford to pay their nurses and keep hospitals open), or Canada where the wait times for MRI can be up to 4x longer than in the US, causing cancers to be missed during early treatment windows, etc.

    We need to have an honest debate about the system, not just some guy some intern decided to interview and call a report.

  3. The system works. Kind of, if it is life threttening. If you are just sick or in unbarable pain you still wait abour 8 month to see a professional. Woman health doctors have a waiting list of 1,5 years for new patients in crowded citys. That means if you move, you are F*cked. The hospital is always full, the staff is overworked, there are high infection rates because of this, epacially in infants and seniors. I had to wait about 4 month to see a special doctor for an leg injury. In the end i didn't had to pay anything but have lasting damage on the joints. It works, but kind off sucks sometimes really

  4. It is time, my friends. Let’s have Bernie Sanders change the healthcare system for us, so we could get care like that in our lifetime!!!

  5. I am so thankful for our system. I have the support of the people of my country 🇩🇪🇩🇪🇩🇪 I Am not getting bankrupt because some disaster is coming my way! 🇩🇪🇩🇪🇩🇪

  6. Lol. Yes let's put the people who take massive amount of money from health insurance and pharmaceutical companies as a legit people who are concerned about the people's"healthcare".

  7. If they took 100 billion $ from that almost 700 billion $ military spending, i thinnk this problem could be fixed.

  8. I live in Germany and Spain. The German health care is very good but the Spanish is far better. It's public and free of charges. In my home area Galicia, the local president reduced the costs of medication by 70%. He decided to use only generic medicaments. The big pharmaindustry weren't very happy but he made it happen.

  9. Our healthcare has its problems, believe you me.

    I moved in germany, as a native, as an insured person and cant find a doctor…
    You are waiting for months when you can find one for an appointment.

  10. "Yeah, but Germans pay sooo much taxes!" – And yet we don't need two or three jobs to just live paycheck to paycheck like so many Americans – how comes? How can we afford to be world champions in traveling? You are brainwashed, dear Americans. Life in Europe is ten times better than in shithole USA. And it is even longer, hehe.

  11. USA: Let’s spend over 600 billion in military because why not
    Also USA: Health insurance for our people? What the f man we got no money but we can bomb your ass with 1000 ways 🤦‍♂️

  12. Hi from Germany. I'm sick since 7 yrs and without my insurance I would be homeless or dead. I can't work but I can visit every doctor I want, order almost every medicine (my medication costs about 1500 dollar a month) and have a nice apartment. It's all for free and I'm glad to be here. The system is not perfect, rich people are provided with faster appointments, otherwise everyone gets the same treatments

  13. Insurance is all fine and dandy, but I believe the real problem of exorbitant hospital bills are the real problem in the US healthcare system. Fix the high hospital costs, then worry about the insurance issues.

  14. I'm glad I'm an Australian citizen and was able to have my prostatectomy for free we have universal healthcare and a highly subsidised Pharmaceutical Benefits Scheme
    United States is in desperate need of some social capital.
    If you have a permanent job you get 4 weeks paid vacation as well and about 7 days sick leave fully paid every year.
    And about 10% compulsory superannuation payment connected to your Wage.

  15. Now everything have been changed since Germany accepted the refugees who takes advantage of such a nice universal insurance systems. It is same as in Japan too.

  16. Now I live in Germany, and pay about 194 euros a month for my insurance. It simply is great. Dont miss the US system at all….

  17. While everyone is covered, I don’t know too many public servants, who are given no option but to take out private insurance, that are happy about needing to take on this extra cost. Neither are the Australians who are in a similar situation where private insurance is pushed onto the middle class and above. Finding an insurer is a pain in the ass. All of the people I know would rather be putting that money back into the public health system rather than having to pay premiums and copays. Americans, under Bernie’s M4A plan, would have a system which that was the envy of the world. And it would still be way more cost effective than any of the other systems.

  18. Bottom line- Germany has a population the size of Miami. Most of these 1st world euro countries are hella tiny and this type of system wont work in the us, it becomes socialist. Anyone who is for trying to follow these models in america Yall need to grow up and pay for your own damn health insurance.

  19. It's really annoying how I have to keep finding new doctors because my employer keeps switching insurance. They change due to costs, and different insurances have different networks. I am actually surprised that businesses don't push for something like medicare for all. Healthcare is what costs the employers the most. Supposedly is what keeps them from handing out raises.

  20. A lot of people are well unhappy with the current situation in Germany. There are many flaws in the system and a lot of people and political parties call for a universal, state insurance like in Sweden or the Netherlands.

  21. Germans be like, "I had an appointment at 9:00 and my doctor showed up at 8:59. Wait times in this country are ridiculous!"

  22. Its a lie that 100% of germans are couvered by health insurance…. and many other , so called facts are just wrong or a oversimplification… bad research … iam german and i know better, sorry to tell you. I wont say we have a bad system or a good one, it is how it is, but it is not like cnbc pictures it.

  23. This video focuses to much on the insurances. It fails to mention pharmacies (private comp, usually small), doctors/GP (private), hospitals (charity/church, private, public). It is not that there is no profit motive in the German system.

  24. I live in Germany and I approve the content, I happen to follow the presidential race as well and how establishment elites react Bernie Sanders M4A proposal is unbelievable. he is damn right when he says "Health care is a human right". your health care system has just one point: make richer those who have already billions of dollars.

  25. If you complain in America you are called a Communist/socialist and told to leave the country if you "do not like it". And they tell you Europe health care "does not work". My country (America) should improve but will not because the medical profession/drugs/ insurance are too greedy and very powerful.

  26. Hello!!! Private company means PROFIT. Private Hospitals means PROFIT. Private health insurance means PROFIT. This means squeezing as much out of you as possible. Is this so hard to understand? Its time for the US government to start representing "WE THE PEOPLE" instead of Big Business and wealthy people.
    First thing to do is boot Mitch McConnell out of the Senate. He wants to cut Medicare and Social Security because they're "entitlement" programs and the government needs to fund the huge tax cuts to the wealthy and business.

  27. Medical bills are reported to be the number one cause of U.S. bankruptcies. One study has claimed that 62% of bankruptcies were caused by medical issues. Another claims that over 2 million people are adversely affected by their medical expenses.
    https://www.cnbc.com/2019/02/11/this-is-the-real-reason-most-americans-file-for-bankruptcy.html

  28. Can confirm to this, the German system works. I studied in Germany and was insured by TKK, no pre condition BS like american Ins. Co's wish could have similar cover now. Now just getting ripped off, i guess just like everything else living in a capitalist world even healthcare is a commodity.

  29. Still isn’t free, income tax out the ass, 7.00 gas, 17% sales tax, things like hunting, Boating, fishing all require big fees schooling and licensing. Government gets their money.

  30. So basically they have two systems , a private health care system and a Government run public system. That sounds like a reasonable way to go where most people in the USA would support.

  31. Maybe you should also ask why noone wants to work in the german health system anymore …
    except for doctors. They have to hire nurses in other countries because no-one wants to work
    under these conditions. They are closing wards because no-one accepts these conditions anymore …

  32. The root cause is capitalism, or in other words, the anti-democratic workplace.
    Check out the "Democracy at Work" channel with Prof. Richard Wolff.

  33. So it is better than America’s but not as good as the United Kingdom’s. Okay UK’s is the best. Bernie Sanders is getting my vote.

  34. Well, Yankees, how about just copying the system? Naa, let‘s commit more war crimes for billions of dollars, defund education so normal people can’t afford education and stay dumb, in debt and follow the orders. Much better!

  35. Also, besides healthcare, how about getting a democracy in the first place? I guess votes don’t matter (in US, studies say 70% of the population have 0 influence on politics), you have to buy yourself into office $$$$$$ Just start fiinancing your politicans yourself! Don’t let big donors do the job for you! Otherwise you will never get what you really want (and need)

  36. I’m with the public option and I get appointments quickly and do not have to wait at all for surgery. I live in Munich

  37. I'm german high school student and very interested in the american culture. So I applied for several exchange year scholarships and was very excited to live a year abroad. Here comes the problem. I have a cronic illness (I need regular meds but live a totally normal live I.e. got to school meet friend etc.) So I either got denied right away (being told: "only 100% heahlty people would be accepted") or told I had to take care of health insurance on my own. But there is literally no insurance company that offers suitable contracts for the US. Apparently for every other country they do. Just not for the US.
    Hmm…bad luck I guess. Maybe you guys can figure out your health care system bc I would love to visit the US and experience it's people and culture.
    Cheers

  38. I’m so thankful everyday I wasn’t born in the United States. I am Canadian and if it wasn’t for that, my family would be completely homeless due to my medical conditions. You have to pay for some prescriptions, but not nearly as much as the US.

  39. Its not the American citizens he doesn't trust, its the American companies that would exploit how the system is run so they can convince people that a public is crappy. P.S. I'd like to see if CNBC is sponsored or funded by certain groups, if you know what I mean? For curiosity of course.

  40. As a German i really love our health-care system. Yes we also do have some problems, like the long waiting for an appointment, but it's not a problem. I am not afraid to go to the hospital, i don't have to think about the costs for medication etc.. I was for 2 years unemployed, but was still covered by the government for the insurance.

  41. To all the US citizens which don't believe in health care for everybody.
    Get your egomaniac heads out of your arses and make sure that people don't need to choose between health care and death. Christianity is your middle name and in God you trust, but you can't help each other. Just think what would Jesus do?
    You need to change your way of thinking. Why need health insurance companies to choose what is right for you? Let a doctor decide when your health and life is at risk.

  42. I would add the following:
    Because Germany has multiple SHI and PHI this causes an unnecessary administrative overhead which leads to additional costs.
    Additionally Germany had to implement a quite complicated mechanism to ensure that all the SHI are properly funded.
    Furthermore the PHI tend to cherry pick their customers in order to make as much profits as possible. They're cheap when you're at a young age but later they become more and more expensive and this can lead to the situation that some of their older customers have to switch to emergency plans which aren't even on the quality level of the SHI. It isn't easily possible for those people to switch over to the SHI because they haven't paid into the SHI before.
    To be honest, I don't see the German universal health care system as a very good example. Most of the other countries provide universal health care at around 50% of the costs per person in the USA but the German system is at around 60%, the third highest rate in the whole field. And this is the case due to the unnecessary administrative overhead and the profits gained by the PHI.
    By getting rid of the PHI and unifying the SHI Germany could reduce the overall health care costs by another 5% to 10% compared to the actual costs per person in the USA.

  43. I’m German and I just now realised that as a child if you went to any doctors check up (dentist included) twice a year we’d get to order a present with the points at the end of the year. Never gave it a thought but now I realised that it would probably make parents remember to bring their children at least twice a year.

  44. Germany also offers, apart from a small administration fee, free University education for domestic and international students. However, their football team is passable! 😉

  45. Oh we can't afford that (universal health care)… but we CAN afford a military that dwarfs any other on the planet. We can also afford huge tax cuts to billionaires and corporations.

  46. basis health care is human right. what is wrong with that place USA? got "no money" for healthy care, but love doing war for no reason.

  47. For the system to work, everyone has to do something and pay for it. Now we have millions of migrants in the country who just want to participate. this bill does not work in the long term.

  48. Germany also doesn't have to spend alot of money on military or security like the USA. I bet if the roles were reversed, you'd see a dramatic change.

  49. It is now more exspensive to live in Germany then California and what they don’t tell you about Heathcare in Germany if you are a certain age and you need surgery they can refuse to do surgery on you…..😳

  50. PHI in Germany is also accessible for government personal even if they make less than 60 thousands per year, for innstance teachers, police, community workers, civil servants. But they need the special status as civil servants, not just employees. Its kind of unfair, you could have two people doing the same job at a school or the town hall, one an employee, the other civil servants (Beamter auf Deutsch). But the second has larger financial benefits and pays less taxes, and has access to potential better health care in the private system.

  51. And sickness funds (Krankenkassen auf Deutsch)- in the SHI system- they dont really compete. There is a common list or catalogue of treatmens that they must all pay at least, like a law. They only differ by tiny little peaces like some would give you some money back If you take health prevention cources like yoga or meditation classes. But the all costs about the same. As an employee you pay 7-8 % of your salary as the monthly cost, and your employer pays the same amount.

  52. I think they should drop the age of Medicare to 50 and cover children. That is the age where the insurance industry starts to charge too much for insurance. And Regulate the heck out of it in the in-between.

  53. The SHI are indirectly part of the government, because they have a public function. They aren't private organisations. But they are self-governed.

  54. The actual fact that it leads with Amy and Buttegeig and not Sanders or Warren who get to have their compelling points at all makes this paid for by pharma and big meds…Dont trust this …We love the NHS…better things are possible…

  55. About those 840 US$ per month maximum premiums for SHI…. Your employer pays half of that and those 840 US$ include nursing insurance as well…. 😉

  56. I'm not even going to watch the rest of this video…

    I'm at 1:36 and you can not by an serious meaning derive objective answers from subjective data.

    "Germany have better or comparable health outcomes to the US" Shows overall views of the health care based on how much they like it Yeah that's the ticket.

    "Avoidable Deaths and life expectancy" Yeah, let's forget that the US has more drug use, diets are worse, less exercise, more war deaths, etc etc etc. When you control for accidental deaths and murder. the US literally has the highest life expectancy rate. That alone disproves the life expectancy myth, let alone wait times, quality of care, etc.

  57. It amazes me that this news channel is bringing up the German healthcare system, yet won't discuss M4A, as proposed by Sanders. Personally, this system sounds an awful lot like the ACA, and worse it is a 2 tier system that allows doctors to choose what patients they want to see if you have enough money to pay those doctors who wont except patients who don't make over $60,000. We all know how the American insurance companies are, PROFIT ABOVE EVERYTHING. They will find a way to screw the public or the government out of money. They've proven that to us time and time again. And if they are not doing it, the Republican party will go after the program just like they did the ACA, dismantling it from within until there is nothing left.

  58. The best part actually is: You call in sick, visit a doctor and he will put you off work for some time. You will receive your full wage while you recover.

  59. 2:15 is factually wrong. You CAN NOT buy health insurance from a privat health insurer, you choose a health insurance from a NON PROFIT insurer. Privat health insurance is only available to the top ~ 13% of income earners. Again: ONLY NON PROFIT health insurance for the bottom 87%!

    I repeat the crucial point that can't be emphasized enough: NON PROFIT INSURANCE for bottom 87%, NO PRIVATE INSURANCE AVAILABLE.

  60. Almost anything is better than America's system. But I notice that other European systems were more cost effective?

  61. The American health system is very corrupt, mismanaged by the greedy pharmaceutical and insurance companies and very expensive. The price of healthcare/health insurance in America needs to drop, lots of improvement. As for German system, Germany taxes their citizens much much more then Here in America hence we schooling and healthcare is free…..over taxation is not the right answer.

  62. For me the worst thing that happen in this country is the lack of humanity from the people in clinics and hospitals , also cost of health is ridiculous

  63. Perhaps, to those who're interested in how it works for, say, soldiers:

    German soldiers have NO health insurance but are instead covered by the medical services of the German Army. They can't choose freely which doctor to visit and have to accept medical care at the closest base with a medical facility. More complicated treatmens are performed in Army Hospitals, or an Army Doctor can decide to send a soldier to a private doctor if there's special expertise required. Should there be a medical emergency, they can visit the closest doctor or ER but have to report this to their unit as fast as possible, in which case the emergency treatment will also be covered by the Army.

    At the same time, they have to basically 'buy a place' in one of the Health Insurance Companies. This ensures that they can later buy their insurance again, without an increased rate – basically, they will be treated like they've always been insured by that company. That also means that all possible later injuries and illnesses they got during their service will be disregarded, as would be the case if they'd been insured from the very beginning.

  64. By law everyone has to have health insurance. It is not free. Unless you are unemployed. You pay for it, either out of your salary or yourself. This is not universal health care.

  65. Germans simply live,with all ups and downs,americans die trying.the health insurance "system" in the us is anti social to the max,and the funniest part is that so many citizenz want it the way it is

  66. PRIVATE INSURANCE DELETES ALL SAVINGS. GET RID OF IT. LET M4A BE AS HIGH QUALITY AS PRIVATE. IN FACT PRIVATE CARE HAS ALWAYS RATIONED CARE THEY JUST DIDNT CALL IT THAT.

  67. If Germany’s health care is so great then maybe you can teach Canada how it’s done? Same universal health care but the incompetence and lack of transparency is astounding.

  68. Germany doesn't have universal health care.

    In Germany 100% of people are insured? False, you are obligated to have an health insurance and if you don't have a job (that will pay into the public insurance 14% of your salary) you are obligated to have a private insurance.

    And, if you have private insurance your children will not be covered and you are obligated to buy private insurance for them as well

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