| > That alone isn't sufficient. Germany is built on private insurance […] The difference is profit motivation. Germany does have private insurance, but there are regulations on what insurances companies can have margins on: > As of 2020, salaried workers and employees who make less than €62,550 per year or €5,212.50[28] are automatically enrolled into one of currently around 105[29] public non-profit "sickness funds". The fund has a common rate for all members, and is paid for with joint employer-employee contributions. The employer pays half of the contribution, and the employee pays the other half.[30] * https://en.wikipedia.org/wiki/Healthcare_in_Germany#Health_i... Similar in Switzerland: > Insurers are required to offer this basic insurance to everyone, regardless of age or medical condition. They are not allowed to make a profit off this basic insurance, but can on supplemental plans.[3] * https://en.wikipedia.org/wiki/Healthcare_in_Switzerland With US health insurance companies profit is job #1. |