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RE: The work-around President
The costs are the same because of the price floor created by the state system, yet another example of how subsidies raise costs. Without the public system providers would have to compete with each other on price.
In this case, without a private system, the public would be even cheaper!
And they do compete, so that argument is invalid. They just don't compete for all Germans, but "only" for the number of people of a smaller country.