{
 "meta": {
  "source": "Numbeo city Cost of Living pages, retrieved July-August 2026 (per-city update dates in each entry)",
  "currency": "native per city; fx_to_usd converts to USD",
  "method": "Numbeo publishes unit prices, not household budgets. Each basket line is a stated monthly consumption quantity multiplied by Numbeo's unit price. The 'other' line (personal care, household goods, healthcare out-of-pocket, misc) is set so the single-person basket reproduces Numbeo's own published single-person estimate for that city exactly.",
  "known_divergence": "Numbeo's family-of-four estimate averages 3.64x its single-person estimate. OECD-modified equivalence implies 2.10x. Neither is used directly: household scaling below sits between them, and every line is user-editable. The same scale applies to both sides of any comparison, so the equivalence ratio is not sensitive to this choice \u2014 rent and childcare, which do not use the scale, are where family cost actually diverges.",
  "not_from_numbeo": [
   "health_insurance"
  ],
  "fx": {
   "as_of": "26 August 2026",
   "EUR_USD": 1.1666,
   "GBP_USD": 1.3626,
   "note": "Master-doc rates. Refresh alongside the quarterly price refresh."
  },
  "city_order_us": [
   "san-francisco",
   "new-york",
   "boston",
   "los-angeles",
   "seattle",
   "chicago",
   "denver",
   "austin"
  ],
  "city_order_eu": [
   "valencia",
   "porto",
   "lisbon",
   "seville",
   "malaga",
   "san-sebastian",
   "athens",
   "naples",
   "turin",
   "rome",
   "madrid",
   "barcelona",
   "marseille",
   "berlin",
   "milan",
   "paris",
   "dublin",
   "amsterdam",
   "london"
  ],
  "complete": "All 27 cities present."
 },
 "household_scaling": {
  "per_person_lines": [
   "groceries",
   "dining",
   "leisure",
   "clothing",
   "other"
  ],
  "first_adult": 1.0,
  "second_adult": 0.7,
  "per_child": 0.45,
  "transport": {
   "per_adult": 1.0,
   "per_child": 0.3
  },
  "utilities": {
   "note": "apartment component scales with bedrooms: 0.7x single/couple (1BR), 1.0x family (3BR = Numbeo's 85m2 basis). Internet flat. Mobile per adult, 0.5 per child.",
   "apartment_factor_1br": 0.7,
   "apartment_factor_2br": 0.85,
   "apartment_factor_3br": 1.0,
   "mobile_per_adult": 1.0,
   "mobile_per_child": 0.5
  },
  "rent_rule": {
   "single": "br1_centre",
   "couple": "br1_centre",
   "kids_1": "br2_interpolated",
   "kids_2": "br3_centre",
   "kids_3": "br3_centre",
   "kids_4": "br3_centre",
   "kids_5": "br3_centre",
   "note": "Numbeo publishes no 2BR figure; br2_interpolated is the midpoint of 1BR and 3BR centre. 4-5 children likely need more space than Numbeo tracks \u2014 flag on screen."
  },
  "childcare_rule": "childcare_per_child_month x number of children. Assumes full-day private preschool per child; edit down for school-age children."
 },
 "cities": {
  "san-francisco": {
   "label": "San Francisco",
   "state": "CA",
   "country": "US",
   "currency": "USD",
   "numbeo_last_update": "28 August 2026",
   "rent_month": {
    "br1_centre": 3787.37,
    "br1_outside": 2663.25,
    "br2_interpolated": 4944,
    "br3_centre": 6101.54,
    "br3_outside": 5011.67
   },
   "childcare_per_child_month": 2926.55,
   "basket_single_month": {
    "groceries": 292,
    "dining": 273,
    "leisure": 177,
    "transport": 135,
    "utilities": 312,
    "clothing": 31,
    "other": 365
   },
   "basket_single_total": 1585,
   "numbeo_reference": {
    "single_excl_rent": 1585.0,
    "family4_excl_rent": 5806.2,
    "avg_net_salary_month": 7019.18
   },
   "unit_prices": {
    "meal_inexpensive": 22.5,
    "meal_two_midrange": 120.0,
    "fastfood_combo": 15.0,
    "cappuccino": 5.8,
    "draft_beer_out": 8.0,
    "milk_l": 1.74,
    "bread_500g": 5.52,
    "rice_kg": 5.21,
    "eggs_12": 5.23,
    "cheese_kg": 17.19,
    "chicken_kg": 17.41,
    "beef_kg": 23.99,
    "apples_kg": 6.52,
    "bananas_kg": 2.95,
    "oranges_kg": 4.66,
    "tomatoes_kg": 7.25,
    "potatoes_kg": 3.28,
    "onions_kg": 3.94,
    "lettuce": 3.0,
    "water_1_5l": 2.79,
    "wine_bottle": 15.0,
    "beer_bottle_market": 3.21,
    "transit_pass": 90.0,
    "gasoline_l": 1.5,
    "utilities_85m2": 244.0,
    "mobile_plan": 65.18,
    "internet": 76.12,
    "gym": 140.77,
    "cinema": 18.0,
    "preschool_month": 2926.55,
    "intl_school_year": 42000.0,
    "rent_1br_centre": 3787.37,
    "rent_1br_out": 2663.25,
    "rent_3br_centre": 6101.54,
    "rent_3br_out": 5011.67,
    "net_salary_month": 7019.18,
    "jeans": 81.25,
    "dress": 54.18,
    "sneakers": 107.83,
    "shoes": 154.05
   },
   "fx_to_usd": 1.0
  },
  "new-york": {
   "label": "New York",
   "state": "NY",
   "country": "US",
   "currency": "USD",
   "numbeo_last_update": "29 August 2026",
   "rent_month": {
    "br1_centre": 4343.32,
    "br1_outside": 2907.89,
    "br2_interpolated": 6601,
    "br3_centre": 8858.33,
    "br3_outside": 5304.62
   },
   "childcare_per_child_month": 3365.67,
   "basket_single_month": {
    "groceries": 274,
    "dining": 291,
    "leisure": 173,
    "transport": 173,
    "utilities": 307,
    "clothing": 30,
    "other": 411
   },
   "basket_single_total": 1660,
   "numbeo_reference": {
    "single_excl_rent": 1659.6,
    "family4_excl_rent": 6123.1,
    "avg_net_salary_month": 5364.54
   },
   "unit_prices": {
    "meal_inexpensive": 25.0,
    "meal_two_midrange": 140.0,
    "fastfood_combo": 13.0,
    "cappuccino": 6.26,
    "draft_beer_out": 8.0,
    "milk_l": 1.33,
    "bread_500g": 4.67,
    "rice_kg": 6.68,
    "eggs_12": 5.83,
    "cheese_kg": 16.25,
    "chicken_kg": 14.56,
    "beef_kg": 17.6,
    "apples_kg": 5.98,
    "bananas_kg": 2.28,
    "oranges_kg": 5.77,
    "tomatoes_kg": 6.1,
    "potatoes_kg": 3.27,
    "onions_kg": 4.12,
    "lettuce": 2.68,
    "water_1_5l": 2.5,
    "wine_bottle": 20.0,
    "beer_bottle_market": 3.21,
    "transit_pass": 140.0,
    "gasoline_l": 1.09,
    "utilities_85m2": 225.49,
    "mobile_plan": 73.5,
    "internet": 76.0,
    "gym": 125.87,
    "cinema": 23.5,
    "preschool_month": 3365.67,
    "intl_school_year": 60588.57,
    "rent_1br_centre": 4343.32,
    "rent_1br_out": 2907.89,
    "rent_3br_centre": 8858.33,
    "rent_3br_out": 5304.62,
    "net_salary_month": 5364.54,
    "jeans": 71.64,
    "dress": 53.22,
    "sneakers": 116.15,
    "shoes": 124.89
   },
   "fx_to_usd": 1.0
  },
  "boston": {
   "label": "Boston",
   "state": "MA",
   "country": "US",
   "currency": "USD",
   "numbeo_last_update": "22 August 2026",
   "rent_month": {
    "br1_centre": 3400.5,
    "br1_outside": 2600.0,
    "br2_interpolated": 4637,
    "br3_centre": 5872.55,
    "br3_outside": 3916.08
   },
   "childcare_per_child_month": 2850.09,
   "basket_single_month": {
    "groceries": 272,
    "dining": 290,
    "leisure": 114,
    "transport": 120,
    "utilities": 318,
    "clothing": 33,
    "other": 370
   },
   "basket_single_total": 1518,
   "numbeo_reference": {
    "single_excl_rent": 1517.6,
    "family4_excl_rent": 5514.6,
    "avg_net_salary_month": 6069.75
   },
   "unit_prices": {
    "meal_inexpensive": 30.0,
    "meal_two_midrange": 120.0,
    "fastfood_combo": 12.0,
    "cappuccino": 5.22,
    "draft_beer_out": 8.0,
    "milk_l": 1.23,
    "bread_500g": 4.16,
    "rice_kg": 6.62,
    "eggs_12": 5.88,
    "cheese_kg": 15.07,
    "chicken_kg": 13.98,
    "beef_kg": 18.85,
    "apples_kg": 7.49,
    "bananas_kg": 1.95,
    "oranges_kg": 5.55,
    "tomatoes_kg": 7.17,
    "potatoes_kg": 4.23,
    "onions_kg": 4.03,
    "lettuce": 2.89,
    "water_1_5l": 2.91,
    "wine_bottle": 16.0,
    "beer_bottle_market": 3.03,
    "transit_pass": 90.0,
    "gasoline_l": 1.01,
    "utilities_85m2": 254.37,
    "mobile_plan": 57.23,
    "internet": 82.96,
    "gym": 83.0,
    "cinema": 15.5,
    "preschool_month": 2850.09,
    "intl_school_year": 36004.38,
    "rent_1br_centre": 3400.5,
    "rent_1br_out": 2600.0,
    "rent_3br_centre": 5872.55,
    "rent_3br_out": 3916.08,
    "net_salary_month": 6069.75,
    "jeans": 78.04,
    "dress": 52.44,
    "sneakers": 117.73,
    "shoes": 179.82
   },
   "fx_to_usd": 1.0
  },
  "los-angeles": {
   "label": "Los Angeles",
   "state": "CA",
   "country": "US",
   "currency": "USD",
   "numbeo_last_update": "28 August 2026",
   "rent_month": {
    "br1_centre": 2613.76,
    "br1_outside": 2309.62,
    "br2_interpolated": 3874,
    "br3_centre": 5134.72,
    "br3_outside": 4054.94
   },
   "childcare_per_child_month": 1739.86,
   "basket_single_month": {
    "groceries": 267,
    "dining": 281,
    "leisure": 109,
    "transport": 149,
    "utilities": 353,
    "clothing": 38,
    "other": 310
   },
   "basket_single_total": 1508,
   "numbeo_reference": {
    "single_excl_rent": 1507.5,
    "family4_excl_rent": 5444.5,
    "avg_net_salary_month": 4272.81
   },
   "unit_prices": {
    "meal_inexpensive": 25.0,
    "meal_two_midrange": 120.0,
    "fastfood_combo": 14.0,
    "cappuccino": 5.83,
    "draft_beer_out": 8.0,
    "milk_l": 1.39,
    "bread_500g": 4.89,
    "rice_kg": 5.15,
    "eggs_12": 5.79,
    "cheese_kg": 11.97,
    "chicken_kg": 16.45,
    "beef_kg": 20.8,
    "apples_kg": 5.8,
    "bananas_kg": 2.52,
    "oranges_kg": 5.03,
    "tomatoes_kg": 5.75,
    "potatoes_kg": 3.41,
    "onions_kg": 3.24,
    "lettuce": 2.15,
    "water_1_5l": 2.61,
    "wine_bottle": 15.0,
    "beer_bottle_market": 3.26,
    "transit_pass": 105.0,
    "gasoline_l": 1.48,
    "utilities_85m2": 277.47,
    "mobile_plan": 75.26,
    "internet": 83.94,
    "gym": 72.68,
    "cinema": 18.0,
    "preschool_month": 1739.86,
    "intl_school_year": 32155.0,
    "rent_1br_centre": 2613.76,
    "rent_1br_out": 2309.62,
    "rent_3br_centre": 5134.72,
    "rent_3br_out": 4054.94,
    "net_salary_month": 4272.81,
    "jeans": 92.0,
    "dress": 69.5,
    "sneakers": 123.9,
    "shoes": 208.25
   },
   "fx_to_usd": 1.0
  },
  "seattle": {
   "label": "Seattle",
   "state": "WA",
   "country": "US",
   "currency": "USD",
   "numbeo_last_update": "27 August 2026",
   "rent_month": {
    "br1_centre": 2454.06,
    "br1_outside": 1955.8,
    "br2_interpolated": 3645,
    "br3_centre": 4835.29,
    "br3_outside": 3573.53
   },
   "childcare_per_child_month": 3012.4,
   "basket_single_month": {
    "groceries": 290,
    "dining": 278,
    "leisure": 117,
    "transport": 150,
    "utilities": 363,
    "clothing": 33,
    "other": 340
   },
   "basket_single_total": 1571,
   "numbeo_reference": {
    "single_excl_rent": 1571.1,
    "family4_excl_rent": 5667.1,
    "avg_net_salary_month": 6453.29
   },
   "unit_prices": {
    "meal_inexpensive": 25.0,
    "meal_two_midrange": 100.0,
    "fastfood_combo": 15.0,
    "cappuccino": 6.42,
    "draft_beer_out": 8.0,
    "milk_l": 1.19,
    "bread_500g": 5.06,
    "rice_kg": 6.11,
    "eggs_12": 5.04,
    "cheese_kg": 20.89,
    "chicken_kg": 18.69,
    "beef_kg": 23.11,
    "apples_kg": 5.95,
    "bananas_kg": 1.91,
    "oranges_kg": 5.31,
    "tomatoes_kg": 6.4,
    "potatoes_kg": 3.49,
    "onions_kg": 3.28,
    "lettuce": 2.83,
    "water_1_5l": 2.64,
    "wine_bottle": 15.0,
    "beer_bottle_market": 4.14,
    "transit_pass": 108.0,
    "gasoline_l": 1.41,
    "utilities_85m2": 294.29,
    "mobile_plan": 70.0,
    "internet": 86.57,
    "gym": 80.8,
    "cinema": 18.0,
    "preschool_month": 3012.4,
    "intl_school_year": 31129.44,
    "rent_1br_centre": 2454.06,
    "rent_1br_out": 1955.8,
    "rent_3br_centre": 4835.29,
    "rent_3br_out": 3573.53,
    "net_salary_month": 6453.29,
    "jeans": 81.5,
    "dress": 54.12,
    "sneakers": 127.75,
    "shoes": 162.2
   },
   "fx_to_usd": 1.0
  },
  "chicago": {
   "label": "Chicago",
   "state": "IL",
   "country": "US",
   "currency": "USD",
   "numbeo_last_update": "24 August 2026",
   "rent_month": {
    "br1_centre": 2384.38,
    "br1_outside": 1679.31,
    "br2_interpolated": 3497,
    "br3_centre": 4609.38,
    "br3_outside": 2762.2
   },
   "childcare_per_child_month": 1536.88,
   "basket_single_month": {
    "groceries": 247,
    "dining": 234,
    "leisure": 98,
    "transport": 110,
    "utilities": 265,
    "clothing": 29,
    "other": 286
   },
   "basket_single_total": 1268,
   "numbeo_reference": {
    "single_excl_rent": 1268.3,
    "family4_excl_rent": 4638.4,
    "avg_net_salary_month": 4906.32
   },
   "unit_prices": {
    "meal_inexpensive": 20.25,
    "meal_two_midrange": 80.0,
    "fastfood_combo": 13.0,
    "cappuccino": 5.7,
    "draft_beer_out": 7.0,
    "milk_l": 1.31,
    "bread_500g": 4.03,
    "rice_kg": 5.64,
    "eggs_12": 4.78,
    "cheese_kg": 14.07,
    "chicken_kg": 14.46,
    "beef_kg": 19.33,
    "apples_kg": 4.95,
    "bananas_kg": 2.0,
    "oranges_kg": 4.12,
    "tomatoes_kg": 5.0,
    "potatoes_kg": 2.8,
    "onions_kg": 2.62,
    "lettuce": 2.4,
    "water_1_5l": 2.95,
    "wine_bottle": 15.0,
    "beer_bottle_market": 2.6,
    "transit_pass": 75.0,
    "gasoline_l": 1.17,
    "utilities_85m2": 193.44,
    "mobile_plan": 68.44,
    "internet": 61.13,
    "gym": 61.88,
    "cinema": 18.0,
    "preschool_month": 1536.88,
    "intl_school_year": 30558.0,
    "rent_1br_centre": 2384.38,
    "rent_1br_out": 1679.31,
    "rent_3br_centre": 4609.38,
    "rent_3br_out": 2762.2,
    "net_salary_month": 4906.32,
    "jeans": 63.19,
    "dress": 53.64,
    "sneakers": 98.67,
    "shoes": 149.45
   },
   "fx_to_usd": 1.0
  },
  "denver": {
   "label": "Denver",
   "state": "CO",
   "country": "US",
   "currency": "USD",
   "numbeo_last_update": "26 August 2026",
   "rent_month": {
    "br1_centre": 2026.54,
    "br1_outside": 1672.08,
    "br2_interpolated": 2629,
    "br3_centre": 3232.0,
    "br3_outside": 2712.55
   },
   "childcare_per_child_month": 2361.0,
   "basket_single_month": {
    "groceries": 268,
    "dining": 235,
    "leisure": 94,
    "transport": 119,
    "utilities": 257,
    "clothing": 28,
    "other": 307
   },
   "basket_single_total": 1310,
   "numbeo_reference": {
    "single_excl_rent": 1309.6,
    "family4_excl_rent": 4841.9,
    "avg_net_salary_month": 4349.62
   },
   "unit_prices": {
    "meal_inexpensive": 20.0,
    "meal_two_midrange": 89.5,
    "fastfood_combo": 11.8,
    "cappuccino": 5.88,
    "draft_beer_out": 7.0,
    "milk_l": 1.12,
    "bread_500g": 5.24,
    "rice_kg": 7.23,
    "eggs_12": 5.15,
    "cheese_kg": 15.46,
    "chicken_kg": 16.89,
    "beef_kg": 18.11,
    "apples_kg": 5.04,
    "bananas_kg": 2.04,
    "oranges_kg": 4.82,
    "tomatoes_kg": 5.11,
    "potatoes_kg": 2.67,
    "onions_kg": 2.86,
    "lettuce": 2.3,
    "water_1_5l": 2.56,
    "wine_bottle": 19.5,
    "beer_bottle_market": 2.7,
    "transit_pass": 88.0,
    "gasoline_l": 1.03,
    "utilities_85m2": 159.34,
    "mobile_plan": 76.71,
    "internet": 69.21,
    "gym": 64.5,
    "cinema": 15.0,
    "preschool_month": 2361.0,
    "intl_school_year": 33863.25,
    "rent_1br_centre": 2026.54,
    "rent_1br_out": 1672.08,
    "rent_3br_centre": 3232.0,
    "rent_3br_out": 2712.55,
    "net_salary_month": 4349.62,
    "jeans": 70.36,
    "dress": 45.92,
    "sneakers": 106.96,
    "shoes": 137.01
   },
   "fx_to_usd": 1.0
  },
  "austin": {
   "label": "Austin",
   "state": "TX",
   "country": "US",
   "currency": "USD",
   "numbeo_last_update": "28 August 2026",
   "rent_month": {
    "br1_centre": 1939.38,
    "br1_outside": 1301.67,
    "br2_interpolated": 2855,
    "br3_centre": 3770.0,
    "br3_outside": 2658.57
   },
   "childcare_per_child_month": 1506.17,
   "basket_single_month": {
    "groceries": 227,
    "dining": 235,
    "leisure": 86,
    "transport": 69,
    "utilities": 281,
    "clothing": 24,
    "other": 259
   },
   "basket_single_total": 1180,
   "numbeo_reference": {
    "single_excl_rent": 1180.4,
    "family4_excl_rent": 4241.3,
    "avg_net_salary_month": 5014.29
   },
   "unit_prices": {
    "meal_inexpensive": 20.0,
    "meal_two_midrange": 85.0,
    "fastfood_combo": 12.25,
    "cappuccino": 5.41,
    "draft_beer_out": 8.0,
    "milk_l": 1.11,
    "bread_500g": 3.74,
    "rice_kg": 3.38,
    "eggs_12": 4.32,
    "cheese_kg": 13.19,
    "chicken_kg": 14.46,
    "beef_kg": 17.16,
    "apples_kg": 4.66,
    "bananas_kg": 1.59,
    "oranges_kg": 4.79,
    "tomatoes_kg": 4.62,
    "potatoes_kg": 2.94,
    "onions_kg": 2.7,
    "lettuce": 1.86,
    "water_1_5l": 2.14,
    "wine_bottle": 15.0,
    "beer_bottle_market": 2.94,
    "transit_pass": 41.25,
    "gasoline_l": 0.91,
    "utilities_85m2": 220.65,
    "mobile_plan": 58.69,
    "internet": 68.0,
    "gym": 57.76,
    "cinema": 14.0,
    "preschool_month": 1506.17,
    "intl_school_year": 21190.62,
    "rent_1br_centre": 1939.38,
    "rent_1br_out": 1301.67,
    "rent_3br_centre": 3770.0,
    "rent_3br_out": 2658.57,
    "net_salary_month": 5014.29,
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    "br3_outside": 1740.38
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   "childcare_per_child_month": 606.25,
   "basket_single_month": {
    "groceries": 121,
    "dining": 152,
    "leisure": 59,
    "transport": 98,
    "utilities": 149,
    "clothing": 27,
    "other": 155
   },
   "basket_single_total": 760,
   "numbeo_reference": {
    "single_excl_rent": 760.3,
    "family4_excl_rent": 2742.9,
    "avg_net_salary_month": 1412.85
   },
   "unit_prices": {
    "meal_inexpensive": 15.0,
    "meal_two_midrange": 55.0,
    "fastfood_combo": 10.0,
    "cappuccino": 2.76,
    "draft_beer_out": 3.0,
    "milk_l": 1.03,
    "bread_500g": 1.68,
    "rice_kg": 1.37,
    "eggs_12": 3.52,
    "cheese_kg": 11.03,
    "chicken_kg": 7.07,
    "beef_kg": 14.8,
    "apples_kg": 2.03,
    "bananas_kg": 1.53,
    "oranges_kg": 1.65,
    "tomatoes_kg": 2.21,
    "potatoes_kg": 1.65,
    "onions_kg": 1.74,
    "lettuce": 1.27,
    "water_1_5l": 0.77,
    "wine_bottle": 5.0,
    "beer_bottle_market": 1.17,
    "transit_pass": 40.0,
    "gasoline_l": 1.94,
    "utilities_85m2": 147.65,
    "mobile_plan": 16.48,
    "internet": 28.78,
    "gym": 41.58,
    "cinema": 8.62,
    "preschool_month": 606.25,
    "intl_school_year": 15124.75,
    "rent_1br_centre": 1437.04,
    "rent_1br_out": 1091.54,
    "rent_3br_centre": 2544.0,
    "rent_3br_out": 1740.38,
    "net_salary_month": 1412.85,
    "jeans": 96.25,
    "dress": 40.67,
    "sneakers": 93.75,
    "shoes": 109.67
   }
  }
 },
 "health_insurance_us": {
  "note": "Not in Numbeo \u2014 Numbeo's cost-of-living pages carry no healthcare items, so there is no double-counting with the 'other' line. National averages, not city-specific: KFF does not publish city-level premiums. Figures are what leaves the EMPLOYEE's pocket. The employer-paid share is excluded here by design \u2014 it is already counted on the employer calculator as US loading.",
  "sources": {
   "premiums_and_worker_contribution": "KFF Employer Health Benefits Survey 2025",
   "out_of_pocket_cost_sharing": "Peterson-KFF Health System Tracker, 2023 data ($869/enrollee/yr)"
  },
  "annual": {
   "single_total_premium": 9325,
   "single_worker_contribution": 1440,
   "family_total_premium": 26993,
   "family_worker_contribution": 6850,
   "single_deductible": 1886,
   "out_of_pocket_per_person": 869
  },
  "monthly_employee_cost": {
   "single": 192,
   "couple": 716,
   "family_2kids": 859,
   "family_3kids": 931,
   "family_4kids": 1003,
   "family_5kids": 1075,
   "formula": "worker premium contribution (single tier $120/mo if 1 adult 0 kids, else family tier $571/mo) + $72/mo out-of-pocket per person in household"
  },
  "key_behaviour": "The family premium tier is FLAT regardless of how many children \u2014 kids 3, 4 and 5 add out-of-pocket only, not premium. This is the opposite of childcare, which scales linearly per child.",
  "uncounted_exposure_flag": "Employer pays a further $7,885/yr (single) or $20,143/yr (family) that never appears in the paycheck. Out-of-pocket maximums run to several thousand dollars a year, the deductible resets annually, and coverage ends with the job. In Spain, Portugal and Italy this cover arrives through the employer social contributions already modelled on the employer calculator, and does not depend on staying employed."
 },
 "health_insurance_eu": {
  "default_monthly": 0,
  "note": "On local employment or EOR, statutory healthcare is funded by the employer and employee social contributions already priced on the employer calculator, so the employee's marginal monthly cost is ~0. Numbeo carries no health items, so nothing here is inferred from it.",
  "editable_supplement": "Optional private top-up cover is common in Spain and Italy. No default is set because no sourced figure exists yet \u2014 leave blank, user-editable, TODO before publish.",
  "contractor_flag": "A self-employed contractor pays their own contributions and any private cover. Flag this when structure = contractor."
 }
}