All "public" insurers in Germany are private companies as well. They are all required to provide the same level of service and they all cost nearly the same.

All "public" insurers in Germany are private companies as well. They are all required to provide the same level of service and they all cost nearly the same. There are separate private insurers that are cheaper when you're younger and more expensive as you age, but that's a parallel system and you must earn over 40k Euro/yr. to purchase that (or be a state employee for some weird reason).