> Imagine paying 10%+ of your salary just for health insurance.
In Germany it's 14% that is split between you and your employer, so I guess you'd have to all of that on your own if you are self-employed. Granted, you can also choose to have a private health insurance which will seem cheaper but gets outrageously expensive with ages and it is very very difficult to get back to statutory insurance.
To my understanding this plan should include the spouse and any number of kids up to the age of of 23 (age limit for the kids, not for the spouse of course). Dental care and eye care might be a bit limited in these kinds of plans. This means that you have to pay extra if you want more then the medical necessary minimum.
In Germany it's 14% that is split between you and your employer, so I guess you'd have to all of that on your own if you are self-employed. Granted, you can also choose to have a private health insurance which will seem cheaper but gets outrageously expensive with ages and it is very very difficult to get back to statutory insurance.