How Germany's Universal Health-Care System Works

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Germany’s health-care system spends nearly half as much as the United States but still manages to cover 100% of its population through a mix of public and private insurance schemes. There are two different systems that residents can turn to for insurance in Germany: SHI, which stands for Statutory Health Insurance and PHI or Private Health Insurance. Here’s how they work.

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How Germany’s Universal Health-Care System Works

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20 Comments

  1. Michael

    800€ a month is insane for healthcare though.

  2. Josh Maddox

    The USA has the infrastructure for a Multi-payer system and the FairTax Act can finance it.

  3. martim afonso cysneiros

    My american friends, you are slaves to your big corporations that have kidnapped the State for their extraordinary profits while you suffer or pay a high price for your health insurance.

  4. Weedspagon

    Knowing the US if we did it would fail because it would be abused to hell and examples of failures would be more well known. Hospital waits before the pandemic were already high, less people are going into the medical field and its extremely stressful. I have insurance but I don't go unless I'm dying or do a regular primary care checkup appointment. I once had severe bleeding and was given a blanket as a bandage until the doctor came. Turned out I knicked an artery and the doctor was just like hm ok. I was 13 years old. Why have people be forced to pay for a service that isn't even good. And I'm from a state that has the best Healthcare in the country and world renowned hospitals. Hint, Harvard is located here.

  5. Irondevil34

    It's like the Austrian System 🤣

  6. Marco Abellán Trujillo

    I simply can't understand what's the big idea behind making healthcare a business. I'm from Spain and never have paid for medical attention… and yes, we have expensive therapies covered (yes, we also have technology intensive ICUs, cancer treatments, etc…).

  7. Genderfluide Bananenmarmelade Soos

    Yeah. This Comment Section is now property of the german federal Republic and its health care system. 🇩🇪🇩🇪🇩🇪🇩🇪
    Bitte einfach liken

  8. The Millennial Gamer

    America will get to that point soon.

  9. Oskar Bergmann

    Even though it is short staffed and as with any system, there are a number of problems that need to be addressed, by far the best health care system and status of medicine in Europe is in Spain. It is astonishing to see how America has made health care a business, rather than an obligatory service to the population of its country

  10. Josh Garcia

    It’s funny. I had a divorce and a drug problem, and ended up homeless for a while, but I was able to get MediCal here in California. I have been to the ER several times, had brand medications, and had a hospital stay for 4 days and have not had to pay a dime. I am still on social security disability, but I am apprehensive to return to society because then I will have to work 60-hours a week and my private insurance will take a big portion of that AND I will STILL have a copay, even if I have “great” private insurance.

    We currently live in a paradigm where it is more prudent to stay poor and keep your MediCal than rehabilitate and re-join working society.

    I’m not going to work my life away so that I can BARELY afford to go to the hospital, drive a car, and pay rent. I will keep my disability and MediCal, and live in my transitional housing that is only $625/mo.

    This experience has opened my eyes BIG TIME.

    I am just as happy now, if not happier because I have all day everyday to myself and don’t have to STRIVE for even basic necessities anymore.

    This country has problems.

  11. Philippe Martin

    Why do people want so many different choices? Just get the closest or best one that's near you

  12. David Amos

    A cure has been made for permanent cure on hsv1/2, Truly speaking I was cure by Dr Oseghale Sunday Herbal Home

  13. Mary Ann Aflak

    Also, American political debates are such comedy shows scripted as if the American people have no brains..which in many cases are true

  14. Painful Truth

    Having to Pay for healthcare at all Is primitive and not humane.

  15. Oliver Anan

    Many health issues do not just go away. The later you deal with it the harder it gets. So having a system that encourages having issues checked and dealt with early leads to reduced costs.

  16. Speaker for the Animals

    Being a freelancer is a bit difficult in Germany because of health insurance — but only if your married partner is privately insured, which was in my case and so, I was forced to switch to private insurance and that was AWFUL and expensive, but not as expensive as it would have been if I would have stayed in the public insurance, but now, I'm luckily back in the public system at an affordable cost and that works much better for me! Healthcare is the main reason why I'll probably never move back to my home country… Mental health needs to be optimized here though! But yeah, the German model is not perfect, but 475% better than in the states…

  17. kjul

    Germany established universal health in 1880 while the US was busy passing Jim Crow laws.

  18. kjul

    I am so grateful for our social democracy.

  19. Matthew Eraci

    California’s GDP is 5x bigger than Sweden. Why don’t they do Universal Health Care???? If it is so perfect, let them Canary… if it works, awesome I’ll pay -$500 and it will be adopted on the federal level…

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