Yes, and the average German gets much better health care than the average Finn (which still gets better health care than the average American).

Most of the basic health care is Germany is not publicly organized, but private. The health insurance system is heavily publicly regulated.

I live in Finland and all of my relatives in Germany, so I see the differences very often.

> Most of the basic health care is Germany is not publicly organized, but private. The health insurance system is heavily publicly regulated.

This is a pseudo-distinction imho. Yes, the doctor's offices and clinics are private institutions and not organized under a single umbrella like in the UK the NHS would represent. However, the vast majority take appointments from publicly insured patients and are in compliance with the guidelines setup by the public health insurances. Also, in most cases publicly insured patients make up the majority of appointments.

Moreover, there isn't really a competition between public health insurance providers. The price difference between providers is negligible and so are the services covered (most providers cover the minimum as outlined by the law plus a few extra things you usually don't ever need).

TL;DR: the German healthcare system is public

I have regular insights to both systems.

In Germany the risk of unnecessary treatment is higher, doctors earn money that way.

In Finland being denied treatment is higher, especially for people not good at negotiating. On the appointment line they will just tell you we have no free times. Only insisting and quoting the law might help. And lying about your symptoms. Waiting for surgery typically lasts many months.

Germany spends around 30% more in health expenses than Finland.

Neither of them is perfect. But when I am really ill, the German system feels easier to work with.

The US of course spends even more in health expenses. But only a limited group benefits from most of it.