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That is more or less what my US based health insurance plan is like, if a bit more expensive ($1200/month for me and my wife, $1500 if adding 1 child).

No deductible for in-network care, usually just some small copays of $20.

Is this supplemental insurance to national healthcare or the standard cost based on your income?

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The latter, it’s based on a percentage of your (taxable, I think) income, capped at what I’m paying (percentage-wise I’d be paying more if it wasn’t capped).

FWIW, there’s no notion of “in-network” or “out-network” here.

Interesting. Do you know what your effective tax rate is, inclusive of your health insurance taxes?

You may want to play around with this calculator (German only, sorry, google translate likely to the rescue): https://www.brutto-netto-rechner.info/

I’m a freelancer, so this might not be a generalizable answer, but for every Euro I make, I pay about 0.3 Euros in taxes and health insurance.

The in/out network thing is a huge problem. My girlfriend went for a checkup with her primary care physician. Obviously in network.

2 months later she gets a bill for $500. Sorry your doc was not in network for that particular question. Insurance covers $0

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