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In 2026, if you’re an average employee earning €50,000 gross, your insurance bill is split into two parts: the ones the government takes, and the ones Germans consider “essential.” ❌ The Automatic Deductions (Social Security): Roughly 21% of your paycheck goes toward these before you even see it: 🔹 Health: ~€4,200/yr (Includes 2026 increases) 🔹 Pension: ~€4,650/yr 🔹 Care & Unemployment: ~€1,700/yr ✅ The Out-of-Pocket “Extras”: Most locals pay for these privately to avoid massive legal or dama
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