Costo della vita in aumento – Molte famiglie svizzere vivono con un budget limitato

If a normal citizen in this system/economy decides to have children (and of course just one is not enough), it‘s really their own fault. 🤷🏻‍♂️

It’s housing and healthcare. Repeat with me. IT IS HOUSING AND HEALTHCARE. Break or regulate the fucking oligopolies.

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Congratulations, an unbreakable economy has been broken! Culprits? Housing (just moronic honestly), insurances (why???) and energy (yeah right… tell us stories… the only problem in Swiss energy markets is the narrative spilling from Germanic news).

Challenge this please. Because I don’t understand why people don’t speak out and let their wallets open.

Also to be honest, it feels like many people are doing everything to like on a tight budget.

I’ve heard many times people say things like:
I got a raise, now I can look for a bigger flat matching the 30% of my salary.
Do I have a chance to get that apartment, it’s right above the 30% limit.

I’ve even seen worse: people using parents to vouch for them so they can get an apartment that’s above 1/3 of their income.

My ignorant opinion from someone that moved to Switzerland 10 years ago and who comes from a country where healthcare is paid by taxes:

The health insurance system is a huge REGRESSIVE tax.

The cost of insurance is basically constant regardless of your income. But in reality, if you are wealthy, you can go with higher deductibles and better coverage.

I saw it with my own family. First year in Switzerland we had to go with low deductibles because we weren’t ready to spend 2500 each in case something happened. We also went with a solution that did not allow us to choose a doctor, to save some money. Health insurance was a major part of our monthly expenses. Because of a slightly complicated pregnancy we also preferred to choose the doctor, so we had to spend additional few k for that.

10 years later, our combined salary is 6 times higher. The cost of health insurance seems like peanuts now. We have better coverage, and we save because we can safely go with a higher deductible. Everything is covered, no surprises.

Our taxes instead went from practically zero (few percent points) to something around 20%.
In absolute terms, we are paying 80 times more taxes now than in the first year!

If healthcare was paid or co-paid by taxes, our contribution would now be much much higher.

Plus the salaries are lower compared to others places with same costs. In my company, my peers in the US get paid almost twice of what I get, have much better benefits, and have similar rent and living costs. Ofcourse taxation is different. And its not like the lower salaries in Switzerland means more jobs, most new reqs get opened in US, UK or asia. So I simply don’t understand the rationale here. The labor laws too are pretty lax (in favor of employers) as compared to Germany or Ireland. It’s a big mystery to me as to why more jobs are not sent to Switzerland.

Flash news: it’s only gonna get worse. Maybe they shouldn’t have voted to give more money to the 80% of wealthy retired who don’t need it…?

Ofcourse. No wonder given all the expenses for rent, health insurance, public transport etc.. and salaries are not increased nearly at the pace of inflation for the middle class.

Say thansk to privatizations and capitalism. No private sector in the world will ever cut his profit and will always be on the shoulder of the weakest chain element: guess who? Service consumer.

Leaving key service like healthcare, childcare fully private is demoniac. It affect your life at the base and you can’t avoid.

For me is already absurd that if I earn 10 times more than my friend, we still pay same health insurance. Same with kita

But is even more absurd that every fucking year cost increase.

What is high rent in % of salary? In a lot of capitals/metropolitan areas people pay 40-50% of net salary for rent. Here you don’t qualify if the rent is >30% (at least on paper).

I’m not arguing with childcare as this is ridiculous and really shouldn’t be like this.

The healthcare, I would still like to know how much (in %) would one pay in Germany/France/Italy? In my home country it’s 16% of the brutto salary. For Denmark, where I lived for quite a while, it’s almost impossible to find out, but after digging, it seems to be just over 6%. And, this doesn’t mean everything you do is free. The first 250 chf of meds in a year, you pay 100%, then it drops to 50% and is free after i think 700 chf. Dental is also not covered for >18 in either country. Would like to hear how it’s in other countries.

I understand that way in United States too