@punk9059 Perhaps women make more independent and far-sighted decisions. Among younger men, the influence of their peer group may be greater. In addition, education currently has negative connotations in the United States (left-wing, woke).
German health insurance in a nutshell:
GKV: Broad, standardized coverage (outpatient/inpatient, meds, dental, psych, rehab), family co-insurance, eHealth card. Income-based: 14.6% + fund supplement (~2–2.5%), split 50/50.
PKV: Premiums based on age/health/benefits; often faster access/amenities, but each family member needs their policy, and costs can rise.
Choose based on income stability, family plans, and how much you value speed/comfort.
Do you think it's a good system?
Who goes where? Eligibility and choice
Employees earning below the compulsory insurance threshold are automatically in GKV; in 2025, the threshold is €73,800 annual gross. Those above the threshold, plus the self‑employed and civil servants, can choose between GKV and PKV depending on needs and risk profile. Students typically start in GKV at discounted rates; switching options exist early in studies, while older/non‑EU students may use private coverage depending on status.
How does German health insurance work?
The basics: Dual system, universal coverage
Germany has a dual health insurance system: statutory public insurance (GKV) and private insurance (PKV), with mandatory coverage for all residents. About 88–90% are enrolled in GKV, based on solidarity, with income-based contributions and standardized benefits. PKV is for high earners above the income threshold, the self-employed, civil servants, and some students.
Prescription drug prices are soaring in 2025! Costs for specialty medications could increase by 13.3% in the US and ~ 6% in Germany. Are you feeling the pinch? Share your tips for managing healthcare costs! #HealthcareCosts#NFTCommunity
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@HeartOTXHeartMD Interesting, but without the total figures, only partially suitable for a differentiated discussion. In case of doubt, however, it would not be wrong also to analyse the number of physicians
Teamwork is the most important thing in medicine, as is clear communication. Unfortunately, these are topics that are often underestimated or do not receive sufficient attention. How do you see it? #HealthForAll