Insured persons and taxpayers finance the rigid health care system with low-quality of care: In a stagnant economic environment, people seek for safety, cling to the present and refuse changes. In the health care sector the federal and state policy is not able to establish new structures in spite of strong regulation. Resulting fiscal gaps are plugged continually through additional contributions or state subsidies. Many service providers act in a competition-oriented environment and the quality of basic care and coverage decreases rapidly. Even politically desired prevention fails due to the conversion.

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