Midi-job
Health insurance in a midi-job
Full cover, smaller contribution.
If you earn between €603.01 and €2,000 a month in 2026, you are fully covered by health, long-term care, pension and unemployment insurance but pay a reduced share. In a mini-job up to €603 you are not health-insured through the job.
Author: Jan Ortgies · As of 11 November 2026 · If a switch comes about through our comparison, we receive a fee from the new insurer, not from you.
Limits
Mini-job and midi-job 2026
- Mini-job
- Up to €603 a month. The threshold is tied to the minimum wage and rises to €633 in 2027.
- Midi-job
- From €603.01 to €2,000 a month, the so-called transition band (Übergangsbereich). If you have several jobs subject to insurance, the earnings are added together. A single mini-job alongside is left out.
- Above that
- Above €2,000 you pay the normal share: 7.3% plus half your insurer’s additional contribution.
- Not for apprentices
- The reduction does not apply to apprentices.
Contribution
What you pay for health insurance in a midi-job
| Gross per month | Your share at 2.50% (TUI BKK) | Your share at 4.39% (BKK24) | For comparison without the midi-job rule | Difference between insurers per year |
|---|---|---|---|---|
| €700 | €11.87 | €13.19 | €59.85 to €66.46 | €16 |
| €1,000 | €48.59 | €53.97 | €85.50 to €94.95 | €64 |
| €1,500 | €109.80 | €121.93 | €128.25 to €142.42 | €146 |
| €2,000 | €171.00 | €189.90 | €171.00 to €189.90 | €227 |
Your share of health insurance per month in 2026, without long-term care, pension and unemployment insurance. Our own calculation using the formula in section 20(2a) of Book IV of the Social Code with the mini-job threshold of €603, without guarantee. Your payslip may differ by a few cents. The threshold and formula change from 2027.
Cover
Full cover despite the smaller contribution
- Benefits
- In a midi-job you are compulsorily insured and have all benefits, including sickness benefit. It is calculated from your actual earnings, not from the reduced amount.
- Pension
- Your full earnings count for your pension too.
- Employer
- Your employer bears the larger part. Its share is highest at the start of the band and falls to the usual half as pay rises.
Mini-job
In a mini-job you are not insured through the job
- No cover of your own
- In 2026 your employer pays a flat 13% towards health insurance (5% in private households) if you are publicly insured. This gives you no insurance cover of your own and no entitlement to sickness benefit. From 2027 this flat rate rises to 14.6% plus the average additional contribution.
- Where your cover comes from
- You need another basis: a main job, a pension, your studies, family insurance, benefits from the employment agency or job centre, or voluntary insurance.
- Family insurance
- With a mini-job you may earn up to €603 a month and stay covered free of charge; otherwise the limit is €565 (2026). Other income, such as rent, can take you over the limit. From 2028, covering a spouse will in many cases cost a surcharge; children remain free.
- One euro more
- From €603.01 you have your own compulsory insurance with entitlement to sickness benefit, for a very small share of your own.
Insurer
Is a cheaper insurer worth it in a midi-job?
- A dampened effect
- Your insurer’s additional contribution has an effect in a midi-job too, but a weaker one. One percentage point less saves you around €2.84 a month on €1,000 gross, and €10.00 on €2,000.
- Rule of thumb
- At the lower end, benefits and service matter more; further up, the contribution increasingly does. The table shows the difference for your pay.
- Students
- As an enrolled student, a part-time job normally does not make you compulsorily insured through the job; you stay insured as a student. Free family cover ends, however, if your income is regularly above €565 a month (€603 with a mini-job). You then pay the student contribution. What applies to working students →
Other situations
Other life situations
FAQ
Frequently asked questions
What is a midi-job in 2026?
Am I health-insured in a mini-job?
How much do I pay for health insurance in a midi-job?
Am I entitled to sickness benefit in a midi-job?
What changes in 2027?
What does your help cost?
This page is general information based on our own research, without guarantee, and does not replace professional advice, nor information from your insurer, the employment agency or the job centre. Amounts are guide values for the year stated. Your individual case may differ.
Sources: § 20 SGB IV · § 8 SGB IV · § 249 SGB V · § 249b SGB V · § 7 SGB V · § 10 SGB V · § 47 SGB V · Federal Ministry of Labour: midi-jobs (German) · Minijob-Zentrale: health insurance (German)
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The comparison and advice on statutory health insurance cost you nothing. If a switch comes about through us, we receive remuneration from the new health insurer; our partner VGK24 may also pay us for enquiries – not you. Your contribution is the same as if you switched directly with the insurer, and you enter into no obligation.
for the comparison
You don't have to cancel your old health insurance yourself. Your new insurer handles the entire cancellation. You just briefly tell your employer which insurer you're switching to – the new insurer then sends them the membership certificate (Mitgliedsbescheinigung) electronically.
The entire switch happens online. No public office, no fax, no waiting room. Your membership application takes just a few minutes to submit online.
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