How to save a lot of money in Germany: • How to Save a Lot of M... #germany #lifeingermany #workingermany
Пікірлер: 364
@anaskhan4Ай бұрын
Please add timestamps in your videos. You will get more views and your channel will blow up. KZbin algorithm loves timestamp videos
@gaweynАй бұрын
while I did watch the whole video I wholeheartedly agree. I often am only interested in a small portion of yt videos and timestamps are a major help
@mithilbhoras5951Ай бұрын
I am 32 years old and have decided to pursue Masters in the coming Winter semester. Max, your videos have been massively helpful in my journey and it almost feels wrong that your content is free! Keep up the good work. And I am amazed by how up to date you are with all the current affairs. Great job man!
@MigMart-i6gАй бұрын
Masters? Me too! Wich Uni?
@g.abrothers3762Ай бұрын
Sir why so late???
@ronaldo77432Ай бұрын
Don’t come here already too many Foreigners 😢😅
@MigMart-i6gАй бұрын
So late? 32 is perfectly fine for a masters degree!
@mithilbhoras5951Ай бұрын
@@g.abrothers3762 Because India doesn't have opportunities for me.
@solvdevАй бұрын
Hi, your channel is literally perfect. I’m a British A-level student studying German and I hope to move there for uni and beyond. These videos are so indescribably useful. Thanks and happy new year!
@MigMart-i6gАй бұрын
Why? Are the tuition and fees too high on UK, right now? Or Will you apply for different reasons? Thanks
@ahmedelamin4371Ай бұрын
I am studying a levels too and plan to move later this year (I am taking may june sessions.) Do you mind if we exchange socials, I keep thinking about getting a group prior to traveling
@syybie2922Ай бұрын
Which field?
@seth8394Ай бұрын
@@ahmedelamin4371yo I’m also studying A levels add me to the group😂
@ahmedelamin4371Ай бұрын
@@seth8394 whats your @
@RaczynaАй бұрын
I came to Germany from Poland to take care of elderly people. I'm learning German and that's how I found your channel, which I'm very happy about. I already learned German at school, but it was a long time ago, I didn't use it and I barely remember anything. It's terribly annoying having to learn everything from scratch. I would love to learn about my own business. What does it look like to set up a small company for one person, what are the taxes and formalities? Could you tell us more about this?
@MorningNapalmАй бұрын
@@ekekonoise Wow, that was remarkably low on details.
@laurentschmidt2758Ай бұрын
@@ekekonoise Might not help much as in the sector of care for the elderly the average salary in Poland oscillates between 12,500 and 18,000 € approx. The figures for Germany are between 18,000 and 60,000 €. However good to see that being a net recipient of the EU since 2004 (and the largest in 2023) finally arrives at citizen level. P.S. Do you know who the largest net contributor is?
@captainbube121722 күн бұрын
@@laurentschmidt2758the german taxpayer is the greatest contributor to the EU 😂
@emma_maze18 күн бұрын
Altenpfleger 💛🌻
@sanjeetsingh758814 күн бұрын
Hallo, Wie geht es dir! I am coming to Dresden in the first week of March. I am learning German too. I am a lawyer but as an interest I have a degree in Naturopathy and Yoga. Will it help me in getting a part time job? Please respond. I felt so excited knowing you are in this field. Vielen Danke
@b0untyhunterportfolioАй бұрын
Thanks for the update. I am one of the student, who are willing to study in Germany and your Content really helps me out. Keep it up. 👏
@helloerikaАй бұрын
It s sad that the of the germany ticket price is going up but Im glad they re still keeping it cause it is very convenient. Plus i thought they would fully cancel it but maybe that will happen in the upcoming years 🤷♀️
@yafew1Ай бұрын
Hi Erika! Didn't expect to see you there, I hope everything is going well for you. I agree, I think they will cancel it in the future because it is not as beneficial for them as much for us.
@helloerikaАй бұрын
@@yafew1 hello! And yeah makes sense :c then better to take advantage of it while it s here :D
@kath7126Ай бұрын
I too think soo let's see
@kath7126Ай бұрын
@@yafew1 true
@yafew1Ай бұрын
@@helloerika oh yes definitely, it's my first month in germany. I don't know if I will need it but it is pretty cheaper than buying single tickets :)
@mahmuduthman126514 күн бұрын
Dude, big well done for your videos. I accidentally came across your channel and well, it didn’t disappoint. Information about Germany delivered in English and in a higher quality level. Great job!
@MythichorАй бұрын
It would be awesome if you could create a video exploring short term internship (2 or 4 months) opportunities for students (still in school like me) in Germany, how to apply, the benefits, and tips on getting selected. Since you’ve experienced education in Germany, your insights would be incredibly valuable for many students, including myself!
@Cc-nz3ekАй бұрын
i would love that
@gou3734Ай бұрын
How old r u ? Where did u heard about these things? Im in 11th grade
@belugashorts2379Ай бұрын
yessir
@METHIONY1Ай бұрын
Thats great, a video explaining it will give me someting useful to do in the holidays
@Si-dh8jlАй бұрын
@@gou3734 yea how?
@harendrakalyan13 күн бұрын
Informational. Precise. Short. Amazing!
@dardevelin24 күн бұрын
Informative and straight to the point. Solid public service, thanks for the video
@capsbr2100Ай бұрын
Im in Germany for over 10 years now, got my engineering degree and work as a software engineer. In sum most of the "good" changes are too little too late. The country is diving into recession and it's frightening. Stay safe everyone.
@Vxlley25 күн бұрын
Hey i wanna ask about the job market in Germany as an aspiring software engineer. Is it hard to get jobs there? Is the pay good and in your opinion are there better similar career paths in Germany?
@Ukoklemu25 күн бұрын
Why, can you please elaborate?
@captainbube121722 күн бұрын
@@Vxlleycan you speak german? There is plenty of english speaking jobs too but those are very competitive. If you speak german it would be mich easier to find a job inside germany.
@Vxlley22 күн бұрын
@@captainbube1217 ahhh i see, im currently working on it at around b1 level trying to get fluent at it
@Ephimerous200620 күн бұрын
One thing is to be "fluent" in every day life conversations, and another very different thing communicating fully in a Technical Field with the ability to correctly convey all your data and information in to the target language/s. Not to mention that all your Schooling Accreditation/s need to be Legally translated and Certified. Such as Anerkennung, A foreign professional qualification is legally equivalent to a German professional qualification. You need to complete the recognition procedure for professional recognition. At the end you receive an official notice . This states whether your professional qualification is recognised in Germany or Not.
@florenciacostabel332321 күн бұрын
Thank you Max.
@skanderhaffar6958Ай бұрын
I am currently researching moving to Germany for work and stumbled upon your video. Thanks for your efforts in putting together this concise, clear & unformative info video about the major point of living in Germany. Very helpful. Keep up the good work Max, here's my like & subscription - you deserve it!
@parabelluminvicta838027 күн бұрын
why? you're gonna ruin your life germany is no more when you get out you have the fear someone will stab you, don't ruin your life coming here its not worth. Germanistan is falling down i do live there just don't when I have the possibility i will move back to italy.
@dembi277021 күн бұрын
@@parabelluminvicta8380 while it is getting more dangerous it hasnt come to that point. Although it does depend on the city. I live in solingen, the city wich was in the news a few months ago for a crazy guy stabbing people but i can go out at midnight feeling safe. Just be careful at festivals and such.
@wewlad-n1g20 күн бұрын
I've lived here since 2011 and the good days are long gone. The advantages of this country - healthcare, low cost of living, low rent and above all safety are now all pretty much over. There are just too many people and too few opportunities, which is what the various government parties seem to have wanted. I would not suggest coming here unless you have at least organized somewhere very cheap to rent because your pocket will be picked from everything else OR if you're a student and have access to student accommodation. Hopefully by the time you're finished the job market will have recovered because outside of very specialist positions that all require prior experience, you will struggle with that too.
@emma_maze18 күн бұрын
@parabelluminvicta8380 what the fuck are you on about? The rate of violent crime has steadily decreased, unless you're counting police violence 💀
@Blengcrazy19 күн бұрын
Hi I am a Chinese and I really grateful to what you provide us. ❤I'll keep focusing on you. Good luck😊
@cocooavu2907Ай бұрын
Can you please make a more in depth video about ausbildung or particularly ausbildung nursing? Amazing video as always xx
@AlexaAriGo21 күн бұрын
Great Video,thank you!
@Aphrodite7779828 күн бұрын
Excellent summary. Thank you so much, sir!
@BhawinJagadАй бұрын
Hey thanks for all these details - really appreciate your taking your time to collate all this in one single video.
@clow6539Ай бұрын
Wow thank you for posting this!
@petitblanc734326 күн бұрын
Literally saw the lack of an instant transfer fee in my banking app today, and was surprised...so that's why
@juliajuhasz7679Ай бұрын
Good evening! I have found your chanel just now and I must say, I am so proud of you because you are so young, talented, smart. I hope, my son, who is 10 years old right now, is going to turn out to be the same one day :) What I wanted to high light here is, that yes, cool, more skilled ppl are allowed to come to Germany from the putside of the EU, will be easier the process, but trust me, we have many many skilled ppl here also from the EU, like myself and I had to just give up and start a new type of life, new carrier, find an other school and I am 41 years old. I am professional social helper as my degree says, I am from Hungary, I also speak English and German and this process to let your degree to be accepted is just terrible. I live not so far from Bamberg and I should travel to München 3 times a week at least a year long to extra study for this process, meanwhile I am a full time worker and a mother. I should pay a lot, travel a lot, everything takes time etc so I gave it up. We have many skilled workers here whom have no chance to work on a level where they actually are. The higher health insurance I don't mind if the service will get better, like I can have appoitment easier.
@ashishrauniyar9904Ай бұрын
Great, clean and straightforward content! Subscribed!
@maila235925 күн бұрын
You are such a good communicator! you go far kid!
@iandonahue828024 күн бұрын
Thank you for sharing this!
@mikesrandomchannelАй бұрын
Very useful video, Max!
@chillguy-DayInTheLifeАй бұрын
As a German I didn’t know all of this! Looking forward for more videos like this 😊
@rendapangestuchannel23 күн бұрын
Thanks max
@TiereckeIL14 күн бұрын
1. The immediate transfer is going to be free only from October 2025. From January, banks must offer it - but it doesn't have to be for free. 2. The 30% tax break is like the dertigpercentregeling in the Netherlands. Expats could be taxed only on 70% of their salary, because they are not supposed to stay in Germany forever and get pension. In addition, all their rights (unemployment, etc) are going to be only on 70% of their salary. So if you get unemployment benefits which are 70% of your salary, you'll get only 70% of the 70% of your salary, so just 49% of your salary. Also your pension rights are going to be deducted.
@ytfanfan27 күн бұрын
IMO, 42% tax above 300k makes more sense. Taxing 42% for people making 68.4k is a huge percentage. Less people who can accrued funding to risk and bootstrap their dream business means lower the chances of more successful German found companies to hire more local people for more local development. All the tax policy over the decades has been about keeping the pension a float and only that.
@VolcanicPenguin26 күн бұрын
100% this and it will only get worse as the aging demographic gets older.
@renatosilva554422 күн бұрын
Did you actually listen?? 42% is only taxed ABOVE the 68, so if you make 70 only 2k will be taxed 42%!!! The rest will be taxed normally.
@ytfanfan22 күн бұрын
@ Taxing above 68k is not enough in 2025 and forward with inflation, rising rent, and cost for the statutory health insurance, especially if a nation wants to encourage innovations and business development in all areas. Long-term vision is needed along with the understanding of the limit on general tax payer driven nation growth, the aging population vs tech innovation trajectory.
@chikodinwosu1249Ай бұрын
Hi Max, this video is very informative and educative. Thanks. Can you make a video on insurance in germany, especially for international students/ immigrants?
@robertwilson429524 күн бұрын
thank you so much for such an informative video.
@renevillela12915 күн бұрын
Thank you so much for the video!
@SaurabRaoАй бұрын
This helps a lot, thanks!
@Artattic_123Ай бұрын
Thanks for your information bro I am planning to pursue my masters in germany and your videos are helping me a lot. Loovveeeeee youuu 🫶✨💗
@0000rinaАй бұрын
danke für das video :) es ist super übersichtlich, das wird sehr vielen leuten helfen.
@Ifunanya-cc1iuАй бұрын
Straight to the point ❤️
@ZilchTheBeast14 күн бұрын
Thanks for the info 👍
@Icarsuss24 күн бұрын
informative, as always !
@TimwiTerby19 күн бұрын
Lose the burnt-in subtitles. There’s already a subtitles feature on KZbin. I want to be able to turn them off.
@ev-olution859726 күн бұрын
You forgot to mention the property tax reform. Which will hit hard most of the property owners. Because finanzamt is allowed to evaluate your property value without even seeing it. And in some regions it's almost impossible to argue their decision because they do not accept professional evaluation.
@ladyhoffmann19 күн бұрын
Its so informative. I have that D ticket and I only compute around leipzig. Still it's cheaper than paying per day
@UpperMoon95Ай бұрын
Greetings from a german. First of all good Video and nicely done content! For a future video you should have an eye on the february elections coming up. Even you are not allowed to vote its good to know what can possibly happen.
@mohamedthasleem6046Ай бұрын
Thanks for sharing ❤
@gpolonia14 күн бұрын
Amazing video. I'm so glad I found this website
@gelleofficial660327 күн бұрын
Thanks alot brother for explaining Germany 2025
@vicchv932521 күн бұрын
The health insurance is a huge increase! I have never understood how we’re „publicly insured „ (Techniker Krankenkasse) but it costs us thousands annually and we still pay thousands more on dental and vision. If we lost our income would we also loose health insurance?
@teoleno401915 күн бұрын
I hate the Krankenkasse system here. They take way too much out of my paycheck, even tho I only use one dentist appointment a year. It's ridiculous.
@Denny-qodcАй бұрын
Amazing short to the point concentrated information, nailed it!!
@Herodude-n1xАй бұрын
Could you also make a video about the following : 1. Current political situation in Germany and how it may affect immigration ? 2. What will be the possible changes to the skilled immigration policy if CDU/CSU, wins the national elections this year ? 3. Could you also talk about the rising Anti immigrant sentiment in Germany ? Because these are some important topics that future migrants as well as current immigrants who are already living in Germany should know about
@parabelluminvicta838027 күн бұрын
I will tell you what the german political situation, the left is doing the impossible to not let the ADF win the election even the comunist eruropean socialist union want to interfere with the german election, its insane what happening the super double standard from the european union is pathetic.
@JDxZ723 күн бұрын
There is no anti-immigrant sentiment, it's mostly that we Germans don't want foreigners to commit violence and live in safety and not be scared that our children or women or elderly people get attacked by foreigners. This is the effect of illegal immigration of primitive cultures who can't live in a civilized society. That's the only issue. We don't have any problems with people from Japan, Vietnam, Europe, Indians or America. It's a particular culture from a primitive region of the world who cause the same issues in Scandinavia and other European Countries and we as Germans have the right to stop the invasion of people who literally hate us and our values. Other then that everyone who is willing to integrate and not live by our benefit system is welcome. I think this should be actually common sense at least in civilized societies. Btw my Grandparents came also a immigrants in the 60s and have been productive members of our society and forced their kids to BE german and not live in a parallel ghetto society.
@lorandmarton5279Ай бұрын
Would be nice to add the links in the description
@fernandotaboraАй бұрын
Super helpful man! Sad about the jump in health insurance 😅
@kamikazekitty457521 күн бұрын
Thank you for the quick overview. My bf has dual citizenship, and we might get married and move to Germany in 2ish years. He grew up speaking some German, but I'm starting from scratch so it's nice to have news in English until I have a foundation.
@ZodiacVibes958 күн бұрын
Amazing video
@mladen514027 күн бұрын
Danke für das Video
@neonboy1998Ай бұрын
Hi brother your videos are really helpful and this one I didn't even know was happening. Also can you cover the current political status of the country ? Facts like if it is a risk to come to Germany in the current status of the country and what not ? Thannk you again
@Bameranting28 күн бұрын
We need more videos like this
@MythichorАй бұрын
Since you’re knowledgeable about education and opportunities in Germany, I thought you might be the perfect person to ask for advice. If you know any companies offering internships or any resources to help me get started, I’d really appreciate your guidance. Thank you so much for your help!
@Xica448Ай бұрын
Very helpful, thanks!
@MythichorАй бұрын
I have some experience in programming with Java, AI, cloud computing, and even concept car design, and I’d love to apply these skills in a real-world setting. I believe an internship in Germany would not only help me learn more about these areas but also provide exposure to innovative technologies and the work culture there. If you have any suggestions for companies or resources where I can look for internship openings, or any advice on getting started, I’d really appreciate it! Thanks so much for your help, and I look forward to hearing from you.
@bro684Ай бұрын
That's great
@stanstrum24 күн бұрын
I'm in the same position. I'm having trouble meeting visa requirements though :/
@HmmNonnАй бұрын
You have such a valuable content
@siamakalaei1148Ай бұрын
Good updates. Dankeschön. ❤
@Christinenafuna242429 күн бұрын
Hi @ siamakalaei Are you staying in Germany. I'm coming to Germany in August
@siamakalaei114829 күн бұрын
@ Hi, yes I'm staying here. Nice to here that, Germany is wonderful.
@calosmart433815 күн бұрын
Thank you so much
@vargaszilard242520 күн бұрын
I would look in to that Grundfreibetrag, because as I know, you get taxed the whole amount, if you go above that amount.
@mareculla119 күн бұрын
A little note with the train tix, please be exact with information as I believe it was introduced 2021 for 9,99Eur to boost the travel on trains, that caused a little chaos with overcrowded trains. The following year tickets have risen to 49Eur, still a total bargain compared with 2020 and before. Please inform throughly.
@maxmoanz656119 күн бұрын
Im American and my wife is German. The last five years has really changed our opinion on wanting to stay here. It feels so pointless trying to build a life here.
@emma_maze18 күн бұрын
The US is just as messed up, we're just their little lapdog and feeling the consequences of that.
@diffpizza29 күн бұрын
I got in Germany about two months ago, and I am really liking how down to Earth some of these legislations are. They seem to really care about the wellness of the population, or so is my first impression.
@nanakojoconsult1152Ай бұрын
i was particularly excited about the free instant transfer part 🤩🤩
@AshkPunkАй бұрын
I'm thinking about moving to Germany, trying to find a way. Video helped a lot to understand the situation better.
@pewlivepie5006Ай бұрын
Thank you
@JeanettJuhrte18 күн бұрын
Ich finde deinen Kanal super
@SedatKPunkt15 күн бұрын
That sounds so good that I'm thinking about returning to Germany 🤔
@xypheliАй бұрын
At some universities the Deutschland ticket is free/included in the Semesterbeitrag :O)
@priyankavlogs5680Ай бұрын
Thank you so much for sharing such a wonderful contents. Lots of love from India.
@Azzegag-imed_EddineАй бұрын
thanks bro
@OND0Ай бұрын
meanwhile in madrid the public transport fee is 8-10 euros for people under 30. and the transport is decent. nocturnal busses circulate for a proper amount of time...
@UpperMoon95Ай бұрын
Comparison makes 0 sense since you can travel through whole germany with the Deutschlandticket and not only one city.
@OND0Ай бұрын
@@UpperMoon95 it makes zero sense because it wasnt a comparison :)
@HUEHUEUHEPonyАй бұрын
@@UpperMoon95In luxemburg regional, bus and Metro is a free service for the entire country, Germany should be ashamed of being inferior
@feynstein100421 күн бұрын
@@OND0 😂😂😂
@AgrimMishra-f8lАй бұрын
I am in class 10 and I am searching for a country to study abroad, your video helps me great
@emma_maze18 күн бұрын
Running public transport isn't cheap because we aren't subsidising the hell out of it like we're doing with literally anything that produces more greenhouse gases ☺️
@mervveedd1723Ай бұрын
Hi, great video thank you so much. Could you make a video about tax returns? It feels very complicated how to fill accurate information because there are tons of things they ask.
@EnginevsMotorАй бұрын
Hey! That skilled immigration act seems to be just a cover for something else...maybe I am wrong. I've been personally trying to move to Germany for the past few year, from a EU country with almost 10 years of experience as a mechanical engineer and so far was impossible, no interest. Now I wonder, how and why a non-EU citizen can do it faster and easier? Happy New Year!!
@vicchv932521 күн бұрын
It sounds like they want to fill certain positions- maybe health care? hence the no degree needed.
@abhijeetrathod01Ай бұрын
Nice and to the information without wasting time. Are you going to make B1 Speedy German course
@maxyokoАй бұрын
Yes, it is already in preparation :)
@thulasideva9410Ай бұрын
Thanks
@pmalan760829 күн бұрын
Why are healthcare/insurance companies raising their rates?
@saiddilekci3427Ай бұрын
ich wohne hier seit 1-1,5 halb Jahr und dieses Info ist wirklich gut. Danke dir es war sehr hilfreich
@denis3524Ай бұрын
Yeah the unlittimited travel was never a problem for students, cause they had it bevor for my uni it was 300 euro (for the semester 6 months)around and had every public transport to ic in it.
@antonino_goАй бұрын
DOES ANYBODY KNOW WHERE CAN I SEE THE TAX BREAK FOR SKILLED WORKERS THING????? 🗣🗣🙏
@ernestdolog335426 күн бұрын
These changes will be automatically applied to ones salary, or need to fill tons of papers, and send them out to various ministries to get the benefits?
@obornyi2407Ай бұрын
It's like always, mostly useless. They tell everyone in the news how mothers will get 10 Euro more Kindergeld, and everyone thinks wow how nice. But they will at the same time order another authority office to take 10 Euros away from for example Kindesunterhalt. But still everyone thinks wow they give mothers 10 euros more
@emma_maze18 күн бұрын
Well, unfortunately there's plenty of fools in this country that don't do any research beyond reading headlines they walk past.
@Andrei2iiАй бұрын
Hi, thank you for the content, could you please provide some links in the description to support your words? You've said in the video about new laws but there are no links to any official source.
@findolinflyАй бұрын
I'm German. Thanks for the information! :D
@Fuutor18 күн бұрын
Better title idea: Germany changelog reveals massive balance changes (all in favor of its player-base)!😱😭
@maxyoko18 күн бұрын
good one 😂
@seth8394Ай бұрын
Bro make a video titled “Is Germany overrated?”
@jalbhdr3863Ай бұрын
Yes i also agree in this
@maxyokoАй бұрын
It's definitely not overrated haha But I'll make a video talking about if it's worth it to come to Germany
@gprice564021 күн бұрын
The Germans love organizing. Presently, it is a shell game as to who will pay for the services. Management has costs, which will be very dynamic as the political temperature increases.
@illiazoАй бұрын
what do you mean by pre-aproval? It would have been appreciated if you also put the sources on the description, but thank you for the great insights nonetheless!
@erayagdogan3389Ай бұрын
I am going to apply this year for a master's degree in Germany. Thanks for the updates 👍
@G--92-wh8sf14 күн бұрын
Could you emphasize more on new blue card requirements?
@leldejansone764511 күн бұрын
Wow a lot of good news, actually! Too bad about TK though, I was considering switching over to them, not anymore though.
@giorgosbaknis2354Ай бұрын
Quick question about the tax-free allowance in Germany: Is it applied monthly (e.g., €12,000 tax-free allowance divided into €1,000 per month), or is it applied cumulatively? For example, if someone earns €2,000 per month, do the first 6 months' salaries remain tax-free until the €12,000 is reached, or is the tax-free allowance spread evenly across all monthly earnings? Also, does the tax for each month calculate the yearly gross salary based only on that month's income? For instance, if you earn €3,000 in one month, does the system assume an annual salary of €36,000 (€3,000 × 12) just for that month’s tax calculation?
@effyelviraАй бұрын
It's cumulative. When i get paid i get a monthly slip with the cumulative amount in the year. So i control it that way.
@feynstein100421 күн бұрын
@@effyelvira This isn't relevant to the OP but I just noticed that now I can recognize small German things when writing in English. For example, translating "kontrollieren" as "controlling" when a better translation would be "checking". Not that I'm criticizing you. On the contrary, I find it kind of cute lol
@effyelvira21 күн бұрын
@@feynstein1004 I made the mistake from using Spanish 🤣
@feynstein100421 күн бұрын
@@effyelvira Oh. My bad 😅 I still find it cute tho 🙂
@HUEHUEUHEPonyАй бұрын
Why don't they make car parking more expensive??
@MythichorАй бұрын
I'm currently in 10th grade and looking for internship opportunities in Germany this summer, particularly in AI, software development, or automotive technology. I’d love any advice or suggestions on where to look for internships, or if you know of any companies or contacts that might help. I really appreciate any guidance you can provide. Thanks a lot!
@sdvcs-o2vАй бұрын
make a ved about the best assurances out there in germany, as employed or as a student
@ወዲውጩАй бұрын
Can you please let us know for students already insured in the statutory health insurance but who turned 30, they already pay double the premiums, how much more would we have to pay now