Living and working in Germany sincentre 2008. We pay a bit more monthly for our basic healthcare...But it's predictable. A set % of your income, maxing out around 400$/month...forever. No additional costs for emergency care. No surprise fees. Moderate to short wait times. Very happy so far compared to my American experience of surprise! high bills. We have a private dental plan and private hospital supplementary insurance on top of the basic plan. A good mix!