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Replying to this directly because I'd otherwise have to reply to so many other sibling replies individually with overlapping versions of this :) Just for compa
by tharkun__ 6y ago
Replying to this directly because I'd otherwise have to reply to so many other sibling replies individually with overlapping versions of this :)
Just for comparison.
Disclosure: I no longer live in Germany _but_: In Germany, 90% of people are insured via the mandatory public health insurance system (do a Google translate on https://www.bundesgesundheitsministerium.de/gkv.html https://www.bundesgesundheitsministerium.de/gkv.html, which is the official federal health ministry website). That's 70 million people out of ~83 million in an estimate of 2019 according to Wikipedia. There's still a bunch of different companies that provide coverage under this public system. I remember ~15%+ depending on which company you went with for health insurance. And that's the _public_ system.
You can play around here if you want: https://www.brutto-netto-rechner.info/ https://www.brutto-netto-rechner.info/. I plugged in 70.000EUR per year (which is reasonable for a senior dev depending on city (i.e. this is way more than I was paid in Frankfurt 10 years ago but we're talking different level and 10 years ago ...) but you'll get less even as a senior today probably if you're in some "flyover state" equivalent of Germany.
Where it says "Rentenversicherung" that's your pension.
Where it says "Arbeitslosenversicherung" that's your EI.
Where it says "Krankenversicherung" that's your health insurance. Remember, this is the public system, which has been going way down hill since I was working in Germany. Nowadays you gotta have a separate insurance for certain things in dental care for example, that were just covered for me, when I was there.
So for my EUR 70.000 / year example health insurance is ~4.5000EUR or about 6%. You gotta remember in that that the employee and the employer share this 50/50, meaning the ~4.500EUR is for the employee only. The employer pays another ~4.500EUR (officially the public health insurance system rate is like 15% and there's all sorts of rules about what extra percentage a public health insurance can charge and different companies charge different extra rate to try and 'compete' with each other.
So with all this in mind and percentages already given (and please do look up the German "progressive tax system" as opposed to the tax bracket system in the US and Canada), 70.000 EUR is about 86.000 USD or 4.500 EUR being about 5.500 USD.
- rattray 6y agoSorry, didn't quite follow - is the summary here that German healthcare is generally affordable?
- wreath 6y agoI'd say it's relatively affordable if you are employed in a company (even though some things like dental care etc you'd have to pay for it yourself if you are doing more than two checkups per year afaik or basic filling) but if you're self employed, you'd have to pay the 14% all by yourself which is a lot!