> It is true that the private insurance increases significantly over the years, but it is still WAY less than the gov insurance. The costs for the gov insurance is about 25% of your salary (remember, it's split between employer and employee, but as a self-employed you have to pay both sides). Assuming an income of just 5k per month, that would be 1.25k! per month, or more than twice the base tariff.

It's actually about 15% in total. The maximum amount currently is around €750 for both employer and employee.