Handelsblatt: Why Germany’s two-tier health insurance system is so complicated

I explained for Handelsblatt how Germany’s health insurance system evolved into the strange mix of public and private companies it is today:

“As an American living in Germany, I find this German hybrid healthcare system to be a breath of fresh air. The dozens of nonprofit public health insurers, bound by standard rates, make sure that everyone gets good coverage. And the auxiliary private insurers add a little free-market competition to keep things interesting. That said, the system is also incredibly complicated, especially for expats.”