If an unisured person get sick and die, we all have to pay with taxes or some hidden tax in the krankenkasse costs. If an uninsured person get sick, he will go to an ER. That again will cost more than normal checkups (see USA).
The system here is ok-ish. Full of inefficiencies but somehow it works (for now).
The problem are people that don’t use their options (go to a pharmacy first), they don’t trust their doctor (if my doctor does not prescribe me a pill for my sore, he’s probably an idiot). The doctor are a problem as well (let’s buy the new xray machine available at any price. The patients will pay it. Who cares that I can share it with the other 1000 doctors in the village). The trasparency is also a problem, no one knows what happens. In the Philippines I’ve seen an efficient way to cut costs. If your doctor ask you to get a blood exam, he’ll tell you which exam to do and you go to a laboratory to do it. You will see how much it will cost, the doctor save time and the laboratories will have to fight between eachothers for clients.
I could go down the chain of people involved in the health care system and point to every single problem there. There are problems at all levels. The one where we concentrate is unfortunately theoretically not the problem. The Krankenkassen just move money around they are not the problem. They are the problem if we start talking about Hospitals owned by them, “frenemy” relations with doctors and hospitals (“we don’t sue us since it’s not our money at the end of the day”) and so on.
Compulsory health care should not be removed. You can remove part of it, sure.
One “funny” question, just to throw gas on fire. Is there a difference between health insurance between men and women like for Car insurances? 