I'm going to say something which is very much not controversial in the UK but relatively controversial in NL and the US: Systems that are closer to the NHS work better than systems like the Dutch one which is closer to the US system. So the French system is better by design than the German one. The German one resembles the former Dutch system if I'm not mistaken.

There is absolutely no need pumping around billions of public money in private companies' administrative systems and compete over a few tens of thousands of clients they can't refuse to insure anyway.