In Germany a couple of two software developers would earn above the threshold of ca. 70k EUR per year each and therefore pay each around 15.000 EUR per year, which would be higher than the number given in the article ($27.000 for a family in US vs. around $35.000 in Germany currency converted). This applies for the public insurance where adults each have to be insured but kids are included for free.

People with lower incomes pay proportionately less, government employees and high earners can also switch to private insurance where they get much better service but for non-government employees this comes with risks and has to be done at a younger age.

[citation needed]