Ah, so more like 350€/yr, including all dependents, for an employed person. That is a much better deal than (self-employed) KP, assuming the quality is good!
No, nowhere closed to that. There seems to be some confusion because Americans tend to quote things in yearly rates, while Germans tend to quote things in monthly rates. I pay just over €10k/year for my public health insurance in Germany, which is the maximum rate. (I'm self-employed, so I pay the full rate.) But that covered my whole family (wife and two kids) when my wife wasn't working. Now that she's a full-time employee, she pays around half of that (because her employer pays the other half).
Ah, ok. Thanks for the more apples-to-apples comparison. Sounds like the high-end California equivalent would be around $25k/yr, more than twice as much for a high-income self-employed head of household.
- There's no co-pay on anything (with some exceptions for higher-end elective dental work, e.g. if you want an implant instead of a bridge). What something costs is never a factor in treatment. The doctors simply decide what they think is appropriate.
- Prices, again, at the same coverage level, drop down to next to nothing if you have no income. I paid €1,400/year when I was living on savings and starting my company.