I have regular insights to both systems. In Germany the risk of unnecessary treatment is higher, doctors earn money that way. In Finland being denied treatmen

I have regular insights to both systems. In Germany the risk of unnecessary treatment is higher, doctors earn money that way. In Finland being denied treatment is higher, especially for people not good at negotiating. On the appointment line they will just tell you we have no free times. Only insisting and quoting the law might help. And lying about your symptoms. Waiting for surgery typically lasts many months. Germany spends around 30% more in health expenses than Finland. Neither of them is perfect. But when I am really ill, the German system feels easier to work with. The US of course spends even more in health expenses. But only a limited group benefits from most of it.