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In The Netherlands this would be quite expensive, though it depends a bit on what your insurance would cover. For example, my health insurance plan (covering ju

In The Netherlands this would be quite expensive, though it depends a bit on what your insurance would cover. For example, my health insurance plan (covering just me, not a family of 3) costs around €110 / month ($130) but is a fairly basic plan and requires that I pay the first €300 myself (which is stupid if you ask me) per year, anything after that is covered. You can get cheaper or more expensive plans depending on the amount of value you pay yourself (known as the "eigen risico" or "own risk"), but the cheapest I could find was around €80 / month.

davedx 9y ago
Family insurance plans in NL can be pretty good though. Can't remember what my wife pays for her and our 3 kids but it's less than 4x one person.
- chesterc 9y ago
  IIRC it's exactly 1X. Children are covered by their parents' insurance.
avar 9y ago
Yeah I pay around €80 / month but my "own risk" is around €885. That there's an "own risk" is not stupid, insurance that protects you from every little thing is necessarily more expensive than insurance that only protects you from an unlikely catastrophe. I save €17.50/month by setting the "own risk" to €885 instead of €385, a difference of €500. This means that if I don't use the health insurance for around 2.5 years I make up that difference and then get a "free" €17.50/month. I would set it even higher than €885 if I could, but at least with CZ that's the maximum they seem to offer. The difference in premiums is probably artificially low in The Netherlands since the market is so heavily regulated. I.e. if I expect to get "sick" I can just adjust the premiums yearly, e.g. women expecting to be pregnant do that, so it distorts the market. The insurer needs to eat the cost of your premium adjustment, even if you adjusted it because of a pre-existing condition or expected future medical cost. Also, you should be careful when bragging about the price of health insurance in The Netherlands. It's a hybrid privately paid & publicly paid system, so most of what you're paying for it is probably coming out of your taxes, not the premiums you pay to the insurer.
occamrazor 9y ago
IIRC in the Netherlands about half of the premium is subsidized by the state (and 100% for children). The actual premium would be around 200 EUR per person.
taurath 9y ago
In the US its common to have the lowest rung be about $500 USD a month with a $5000 deductable. Thats $11,000 a year - the only reason most people have insurance is the subsidies that the government provides (Obamacare, or if you're very poor Medicare). Its like a sick joke - so many layers are making massive amount of money.

davedx 9y ago

Family insurance plans in NL can be pretty good though. Can't remember what my wife pays for her and our 3 kids but it's less than 4x one person.

chesterc 9y ago
IIRC it's exactly 1X. Children are covered by their parents' insurance.

avar 9y ago

Yeah I pay around €80 / month but my "own risk" is around €885. That there's an "own risk" is not stupid, insurance that protects you from every little thing is necessarily more expensive than insurance that only protects you from an unlikely catastrophe. I save €17.50/month by setting the "own risk" to €885 instead of €385, a difference of €500. This means that if I don't use the health insurance for around 2.5 years I make up that difference and then get a "free" €17.50/month. I would set it even higher than €885 if I could, but at least with CZ that's the maximum they seem to offer. The difference in premiums is probably artificially low in The Netherlands since the market is so heavily regulated. I.e. if I expect to get "sick" I can just adjust the premiums yearly, e.g. women expecting to be pregnant do that, so it distorts the market. The insurer needs to eat the cost of your premium adjustment, even if you adjusted it because of a pre-existing condition or expected future medical cost. Also, you should be careful when bragging about the price of health insurance in The Netherlands. It's a hybrid privately paid & publicly paid system, so most of what you're paying for it is probably coming out of your taxes, not the premiums you pay to the insurer.

occamrazor 9y ago

IIRC in the Netherlands about half of the premium is subsidized by the state (and 100% for children). The actual premium would be around 200 EUR per person.

taurath 9y ago

In the US its common to have the lowest rung be about $500 USD a month with a $5000 deductable. Thats $11,000 a year - the only reason most people have insurance is the subsidies that the government provides (Obamacare, or if you're very poor Medicare). Its like a sick joke - so many layers are making massive amount of money.