I have lived in USA and Germany with little children (one is disabled) in the us I had the best insurance, I worked for the government, I paid 350$ a month for health only and I was still drowning in medical bills. The birth of my twin daughters cost 12,000 out of pocket for a 20-day hospital stay, even though I paid extra for a 300$ family deductible. Somehow they billed me for all sorts of random things that were deemed out of coverage a year of fighting the insurance company and hospitals got the cost down to 8k. Not only that but my disabled son was subject to countless costly procedural tests that did more damage to him than helped that would never have happened in Germany. Here in Germany, I pay 170€ a month for eye, dental, and health. I never pay a cent for any service its amazing. That being said, my wife takes home about 65% of her paycheck and like you said people are realizing the system is being abused and are demotivated by this. It's a doomed system, it takes simple math to see in Germany 40% of citizens pay taxes and of that 40% 20% work for the government... Healthcare should be a right, but it's not possible (with our technology). Both systems are shit,