[leethargo]

What you say about voluntary public insurance is true: I currently pay the full amount (both parts, for employer and employee).

It's based on an estimate for my yearly gross income based on last year's tax report. The insurance (TK) assured me that I would get refunded what I overpaid each year. This is relevant, since I work much reduced hours due to family obligations. But I still have to pay forward the higher estimates for tax and insurance now...