It's fucked up.
I'm covered under the German employee health plan. There are several insurances to pick from, but they are all statutory.
I can't get a private insurance since I have preexisting conditions disqualifying me.
In my income group I pay the maxium, around US$440 per month, my employer pays about the same amount (the premium is shared between the employee and the employer). Total for the health insurance is around $800 per month.
Coverage... Well, they cover the basic things, dentures with be fixed the cheapest way. If you want something nice, it's extra out of your pocket, or you purchase insurance from a private insurer for that particular thing.
Hospitals. With the govt. healthplan you end up in a room with 4-6 beds. Extra insurance can be purchased to get a 2 bed or single room. Or you pay out of your own pocket (I did that the last time I was hospitalized, it was around $160 a day for 10 days).
Doctors... The good ones only accept privately insured patiens since they can charge more for their services than if the patient is covered by the general govt. health insurances.
The govt. health insurance is compulsory, so you are fucked one way or the other. You can get out if you make more than $100.000 a year, but you have to proof that you purchased private insurance instead.