48% doesn't include healthcare (it is another about 170 euro/month per person, and, really, you don't have choice for better or worse conditions, formally there is "market" for this but it is very regulated) or pension. Some industries (but not software/IT one) have industry-wide pension funds, but it is additional payments and if you are in industry without this fund you can go to one of the "open" pension funds and put your money in them.