> The fucked up part is the forced solidarity

Of course it is forced, it has to be. What's the alternative? Make it voluntary, which immediately will lead to the total cost only being spread across sick people that definitely are going to cost the system money, resulting in an immediate increase in coverage cost, making it unavailable to a large part of the population? Just look at how well removal of the fee for non-coverage under the ACA worked in the US. That's just "let's take health insurance away from poor people" with more steps.

Are you in favor of abolishing car insurance as well? It’s the same principle, pool money, pay out when necessary.

It lets everyone, including those less well off, enjoy relatively low insurance premiums and you get personal mobility in return.

I’m well off, part of the reason I’m well off is because I was lucky enough to be born in a place that provided lots of stability and opportunity (schooling, health care, et al), it’s nice to give back. Sure, there’s flaws and waste in places, but I’ve had a family member go through extensive medical treatment because of cancer and I genuinely wish that level of care and options for everyone, so paying my taxes and health insurance premiums it is!

The word „solidarity“ means here that you empathize with other people and contribute to shared prosperity and success. You share the healthcare system with a lot of people who make the country what it is. Some of them earn less, some earn more, and that‘s ok. With your contributions you make sure that those who bake your wonderful bread, run the public transport or clean the streets in your neighborhood are covered. If you would rather prefer American system with its deficiencies, because you are high earner and don‘t like to share, you can always go there. Dubai is also nice for people with some cash and tolerance to human rights violations.

What is really fucked up about Germany, is that exit to private insurance exists in principle, and our Bundesmimose Friedrich Merz have never used statutory one. The existing system has deteriorated only because nobody in the government is using it and has no clue what people now experience daily.

Well, people would not want to pay more, so free solidarity can not work. The net result will be higher taxes, of course. The question is whether these costs are worth it or not, but not the "let people do what they want" as that won't work - see how US billionaires don't really give up their wealth voluntarily. And now, building a foundation is just an excuse to not give the money to the people. It is for their protection of wealth, not for solidarity.

That is not anti solidarity, I know Afternative für Deutschland voters like to frame it this way but it's not.

I agree with you. People would not complain and happily pay a premium for a really good service. But that’s not the case in Germany.

Younger generation would absolutely end up paying even more in the future to sustain the health costs of aging boomers.

Also the pension scheme in Germany for a lack of better word, is a ponzi scheme. Again, younger generation is paying to sustain the boomers and by the time those young people goes into retirement, they would barely get anything out of what they have paid.

> certain professions like government workers, doctors, etc. have their own health insurance schemes <

Completely WRONG: you are mixing up "job-dedicated" pension schemes like for lawyers or doctors with the healthcare setup - in healthcare, there are only two parties: "public" healthcare ("GKV") and "private" healthcare ("PKV"), these two types are not anyhow related to the job dedicated pension schemes.

Correct is, mostly all politicians, high-earners, docs, lawyers etc. are chosing the "private" insurance version, for (at least until yet) several benefits compared to the ones using the "public" model.

You are allowed to enter the private model above a certain salary, but you are not forced. It may be cheaper for some time, but at least if kids arrive it gets fucking expensive, since in the public model your children are insured for free,while in private mode you have to pay for them.

Also handling private mode insurance is more work.

Sounds really complicated, but at the end of the day as long as everyone has health insurance that's still by definition universal health insurance, right? In particular, having "a group of people that benefits from it even without paying a single euro for it" seems mandatory for it to be truly universal.

It sounds to me like you're envisioning something different from universal healthcare, but it's not clear to me exactly what.