[WarOnPrivacy]

> or public healthcare inaccessible despite paying more than 400€/month for it as a single individual.

This is super close to my early 2010's ACA experiences. Even when a poor earner could scrape up enough to buy a plan, the deductible made it unusable.

Policy pricing was exorbitant for $12k/yr earners but dropped enough for 22k/yr that a few plans were buyable. The challenge was coming up with another $somethingthousand to cover the deductible.

There was a sharp drop-off in plan pricing at 32k/yr and some mid-grade plans were in reach. IIRC deductibles were lower on those plans and they may have been usable (or nearly so).

What struck then. Of the news orgs cheering/damning the ACA, zero of them ever covered how pricing dropped as income rose. I assume that's because pricing was only ever disclosed to folks who completed the lengthy signup process - and news folks found it too daunting to experiment with.

[fabian2k]

There are no real deductibles in German public healthcare, though some areas are excluded almost entirely like glasses and certain dental work. The cost is also scaled to income, the 400 EUR (which is only 50% of the cost, the other 50% pays the employer) here are what you pay when you earn ~70k EUR per year and are essentially the maximum for public health care. So it is much cheaper if you earn less money.

One of the main current criticisms of the system is that it can be very difficult to get appointments with specialists compared to people with private health insurance.

[dkekenflxlf]

Bro, du solltest mal deine Gehaltsabrechnung prüfen - mit dem Gehalt bist du bei knapp 1000€

[fabian2k]

I used the values from the original post, which is only the employee part and not the employer part. I also assumed that they're not using current but slightly older values here. I also didn't include the PPV, if you include that and count the employer part you end up at 1000 EUR.