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Private Health Insurance Appointment Access Appointment Scheduling Discrimination in Healthcare Access to Care Caisse nationale de l'assurance maladie (Cnam) Germany IKK classic Bürgergeld Funding Financial Challenges DAK-Gesundheit German Health Insurance System Patient Access Issues Medicaid and CHIP OSEP Financial Crisis Contribution Models Techniker Krankenkasse Digital Innovations in Healthcare Ayushman Bharat PM-JAY Single Payer System