Do German Health Insurance Plans Have Lessons For America?

Historically, American health care has been a relativelythe social legislation of former chancellor Otto von
insular industry. Insurers, doctors, and politicians alike areBismarck. Depending on their income levels, individuals
loathe to look at international examples as a possiblepay sliding premiums and co-payments.
model. Instead, they focus solely on the negativeOthers in Germany, who desire more generous
aspects of Canadian, British, and other systems ofcoverage, purchase private health insurance plans.
socialized health care. The main exception has beenThese are similar to the Blue Cross Blue Shield plans in
the idealization of communist Cuba's program bythe United States, meaning that they are nonprofits.
people such as Sean Penn and Michael Moore, whichThis group makes up about one-fourth of the insured
even Fidel Castro himself now admits does not work.population. Employers and employees share the cost
However, there is nevertheless some inspiration weof that coverage, which is above and beyond the
can take from foreign health care systems. Granted, itmandatory insurance.
would require its own unique American spin. Still, aGermany still has problems with rising costs, although
group from the University of Minnesota is traveling tohealth care expenses are still a lower percentage of
Germany to test that hypothesis. Germans are besttheir GDP than they are in the United States. It remains
known for having a hybrid system. Unlike many otherto be seen if the group of 16 health care experts
western European nations, private health plans still exist(including an insurance company CEO, the state
in Germany.insurance commissioner, and several state senators)
Most Germans have universal health care by statute.will take anything from their experience in Berlin later
The government-provided coverage (similar to thethis month. Some speculate that the German system
"public option" touted--and rejected--during the mostcan be likened to the health insurance exchange
recent healthcare reform debate in America) providesmarkets states must launch as a result of healthcare
basic health services. This has been true ever sincereform.
1883, when the Health Insurance Bill that was part of