In comparison:
German statutory health insurance (GKV) in 2026 totals around 21% of gross salary (14.6% base + ~2.9% average Zusatzbeitrag) plus 3.6% Pflegeversicherung β combined employer and employee. For a β¬4,000/month salary, thatβs roughly β¬840/month total; at the income cap of β¬5,812.50, the full combined cost reaches about β¬1,220/month. Employee and employer each cover roughly half.
I think the cheapest combination would be state owned hospitals and health centers. The state owns the land, pays the staff and buys equipment and medication in huge quantities, which may result in cheaper prices. If not, they could also start producing their own base medication.
A profit oriented health sector is not a good idea. It only gives you minimum care combined with high costs.