When people talk about the healthcare Insurance system, both sides rarely mention the German system. To the right it sounds too much like Obamacare, to the left it doesn't sound enough like free Single Payor.
What American Healthcare Can Learn From Germany - The Atlantic
Here is how it works:
(1) All children and the elderly (over 65 I believe) are paid for by the government. Think of medicare for minors and seniors.
(2) All Germans must get health insurance. They can choose between 160 non-profit (yet non-goverment) health insurance provides. Again these we would like non-profit private insurance provides. Think of it like credit unions. They have a bottomline, decently compensated employees, but they don't make a profits.
(3) Co-pays are low, and premiums are set at a percent of one's income. The person's employer pays half and the person pays half.
(4) The government covers the premiums while one is unemployed. I know the right attitude. Lazy people won't work in order to get insurance. For get food, rent and other necessities, they won't seek a job because they want insurance. Illogical.
(5) Each person has the option of opting out and getting private insurance if they choose, but their employer does not have to pick up 1/2 the tab.
(6) There are no network limitations.No deductibles.
(7) Good wait times
What American Healthcare Can Learn From Germany - The Atlantic
Here is how it works:
(1) All children and the elderly (over 65 I believe) are paid for by the government. Think of medicare for minors and seniors.
(2) All Germans must get health insurance. They can choose between 160 non-profit (yet non-goverment) health insurance provides. Again these we would like non-profit private insurance provides. Think of it like credit unions. They have a bottomline, decently compensated employees, but they don't make a profits.
(3) Co-pays are low, and premiums are set at a percent of one's income. The person's employer pays half and the person pays half.
(4) The government covers the premiums while one is unemployed. I know the right attitude. Lazy people won't work in order to get insurance. For get food, rent and other necessities, they won't seek a job because they want insurance. Illogical.
(5) Each person has the option of opting out and getting private insurance if they choose, but their employer does not have to pick up 1/2 the tab.
(6) There are no network limitations.No deductibles.
(7) Good wait times