Famed economist, Uwe Rhinehardt, on the healthcare systems of Germany, the Netherlands, and Switzerland...
None of these countries uses a government-run, Medicare-like health insurance plan. They all rely on purely private, nonprofit or for-profit insurers that are goaded by tight regulation to work toward socially desired ends. And they do so at average per-capita health-care costs far below those of the United States — costs in Germany and the Netherlands are less than half of those here.
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In Europe, as in Canada, that social ethic is based on the principle of social solidarity. It means that health care should be financed by individuals on the basis of their ability to pay, but should be available to all who need it on roughly equal terms. The regulations imposed on health care in these countries are rooted in this overarching principle.

First, these countries all mandate the individual to be insured for a basic package of health care benefits.

Many Americans oppose such a mandate as an infringement of their personal rights, all the while believing that they have a perfect right to highly expensive, critically needed health care, even when they cannot pay for it. This immature, asocial mentality is rare in the rest of the world. An insurance sector that must insure all comers at premiums that are not contingent on the insured’s health status — a feature President Obama has promised — cannot function for long if people can go without insurance when they are healthy, but are entitled to premiums unrelated to their health status when they fall ill.

Second, these nations try to tailor the individual’s contribution to the financing of health care closely to the individual’s ability to pay — almost perfectly so in Germany, albeit less perfectly in the other two countries.
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All three countries offer their citizens reliable, portable health insurance based on the principle of social solidarity, but without a government-run health insurance plan like Medicare. The $64,000 question is whether America’s private health insurers would be willing to countenance the tight regulation required for that approach.