That sounds nice and simple! I don't 100% understand the German system either, I just know that it costs about 15% of my income each month (half is paid by my employer), and if my doctor writes a prescription on a pink sheet of paper, the meds don't cost me more than like 5-10€ (apparently it's some sort of co-pay thing).

We also have a system for private health insurance, because people employed by the government aren't allowed to benefit from the government-subsidized health insurances. But I'm not earning enough to know specifics about it haha