Well. On the other hand, I can not be laid off easily, and will need to be told at least three months in advance; if my girlfriend gets pregnant, I can take a few months off, too; if the child is sick, I can stay at home too*; if I get sick, I’ll continue to get paid; if I have back pain, I can request to get expensive ergonomic equipment from my employer; if I need to see a specialist, or get insanely expensive treatment, I don’t have to worry; I have 30 days of vacation, of which I must take at least two weeks of consecutive time off, without any negative consequences for my job; if my children go to university, it’s pretty much free, as it was for me; I can’t ever get paid less by my employer, only more; I can take a few days of external educational courses of my choice every year, and my employer has to accept that (and pay for it!); and I probably forgot a bunch of other advantages here.

Specifically on insurance: how much is that worth if it’s bound to your employer? What if you get laid off and don’t find a job in time, then get sick? What if your father is laid off at 55, nobody wants to hire him anymore due to his age and he develops cancer? I can tell you what happens in Germany: nothing. Both of you go to the MD and get treated as appropriate.

You’ll never get me to trade all of this for a bit more money that I need to spend on health care, ridiculous tips, and overpriced apartments anyway.