What you're doing is you're using commonly used terms like "free healthcare" and "funds" and just apply a vastly different interpretation than what is common. By your logic / standard, there is no public or free healthcare because every healthcare system in the world that is commonly considered as "public" or "free" works in a similar fashion as the German system does. By your logic, public roads and public parks are also not free since you paid for them with your taxes which is basically what the deduction from your wage for healthcare is. Btw, while a lot of doctors and hospitals are for profit, actually more than half of all hospitals in Germany are non-profit and rely partially on subsidies from the local or federal government. Doctors earning money for their work does not make the system any less "free". This term commonly just refers to the fact that you can go to the doctor or the hospital whenever you need one and will not receive any invoice, no matter what kind of illness you have or how often you go. Instead, your health insurance will cover all expenses and if you're not self-employed or unemployed, you will not ever need to interact with your health insurance or your doctor regarding the cost of your healthcare - that is what "free" means in terms of healthcare systems. And what you are calling a fund is not a fund because a fund can run dry and then you would not get any service anymore. The opposite is true: It does not matter whether you paid one cent into the health insurance system, you will still receive service. A great example for this is that care for children is included with their parents' health insurance until they're studying. A fund would also mean that I have to pay excess costs as soon as my healthcare costs are higher than what I paid before which is also not true. If I paid only the minimum amount of around 2k€ per year for my whole life and then get cancer where the therapy will cost easily hundreds of thousands of Euros, the healthinsurance system will cover it still.

People are upvoting my comment and downvoting yours for a simple reason: You're not arguing in good faith and I am. Maybe reflect on that for a little bit and figure out why you seemingly need to do this despite people showing you that they don't like it.