Germany has mandatory health insurances, with both a private and public system. By default you’re in the public system and can opt into private insurances if you have a high income (the threshold increases every year, moving more people to the public system over time).

When you have to pay a co-pay it is 5€ per prescription. You don’t pay for generalists, and do not pay for specialists if you get a recommendation from a generalist first.

There is no deductible.

Not everything is covered though, dental care often has limited coverage (only for the most basic services), so you end up paying yourself.

I never heard of a healthcare saving account, that’s an interesting and strange concept