Health Insurance With Multiple Jobs: Which Rules Apply in Germany?

The Hauptarbeitgeber (main job with the highest gross) registers you with DAK-Gesundheit (17.8% of gross, split 50/50). One mini-job (up to €556/month) stays contribution-free; further jobs count as full GKV wages under § 8 SGB IV.

No. § 22 SGB IV caps combined contributions at the Beitragsbemessungsgrenze (€5,512.50/month in 2026 = €66,150/year). Above that ceiling, additional gross income remains contribution-free — the DAK-Gesundheit rate stays 17.8% only up to the cap.

The first employer where you exceed €556/month files the Meldung under § 28a SGB IV. All later employers add their gross to the same Krankenkasse account; DAK-Gesundheit aggregates and bills the correct 17.8% total.

No — one mini-job (€556/month limit) is exempt from employee GKV. From the second mini-job on, all mini-job earnings become fully insurable (§ 8 SGB IV), triggering DAK-Gesundheit contributions on the combined gross.

Once one job exceeds €556/month, DAK-Gesundheit at 17. Only as a bridge before GKV registration. 8% of gross is mandatory under § 5 SGB V — Care Expatriate (from €58/month) then only covers gaps or non-EU periods abroad.

Your health insurance remains through your main employment. Income from all jobs is combined for contribution calculation (up to the contribution ceiling of €5,175/month in 2026). Report all jobs to your health insurer. A DAK-Gesundheit membership (from 17.8 % of gross, unlimited) covers all employments.

Yes — the first minijob (up to €556/month) alongside a main job is insurance-free. A second minijob becomes subject to social insurance. For transitions, Care Economy (from €30/30 days) provides instant coverage.

Unreported jobs can lead to retroactive contribution demands of several hundred euros. Always inform your health insurance about all employments to avoid penalties and ensure correct contribution allocation.