this post was submitted on 28 May 2025
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The American system for me.
Halfway through the year cost so far:
Relatively inexpensive union insurance for the family $2310. Out of pocket expenses so far $3,700. Total $6010 so far..
Estimated total by the end of the year - $2310 in insurance premiums, 3,000 out of pocket.
Yearly estimated total $11,320.
2 years ago we had the corporate America special. Premium was $16,200, out of pocket was 8,000. $24,200 was the total cost. It was 26.8% of my gross income that year.
Well 2310$ per year isn't that much.
In Germany the statutory Health insurance is 14,6% of your salary, capped at a maximum of 942€/month (half paid by you, half paid by your employer ), this also covers your children and your wife if she's not working.
But on the other hand, there won't be any significant out of pocket expenses here