[lsinger]

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.

[dmd149]

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

[pintxo]

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

[lsinger]

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.