Short Answer A marginal employment contract provides absolutely no health insurance coverage. Relying solely on a Minijob — capped at €603 per month in 2026, a ceiling that tracks the minimum wage and changes every January — leaves you completely uninsured and personally liable for your monthly healthcare premiums. What Most Expats Don't Realize You quit your corporate job and took a €603 monthly Minijob, assuming your basic health coverage would continue automatically. Six months later, your health insurance provider discovered the change and sent a retroactive invoice demanding immediate payment for unpaid coverage. You were hit with a sudden debt of €1,200 because you did not realize you had to fund your insurance out of your own pocket. What To Do * Call your statutory health insurance provider (Krankenkasse) to inform them of your exact employment change. * Ask for the application forms to register for voluntary health insurance (Freiwillige Versicherung). * "Ich muss mich selbst freiwillig krankenversichern, da ich nur einen Minijob habe." (I need to voluntarily insure myself because I only have a Minijob.) — state this to the insurance representative to avoid accruing retroactive premium debt.