Lionel Hasse

What the AOK charges students in 2026, why the additional contribution differs by region, how to register and how family insurance works.

What the Techniker Krankenkasse charges students in 2026, how the additional contribution works, how to join, family insurance and switching.

How students switch statutory health insurers: the twelve-month commitment, notice period, special right of termination for higher contributions and the university notice.

The additional contribution 2026 of 91 statutory health insurers in one table, with the monthly student contribution and what one percentage point costs.

Family insurance through your parents as a student: The 2026 income limit is 565 euros a month, 603 euros for a mini-job. Last updated October 2026.

Average additional contribution rate of statutory health insurers 2019 to 2027, with official announcements, actual averages and sources for each year.

Additional contribution 2027: estimation panel, official rate by 1 November, special termination under § 175 SGB V with deadlines and a worked example for students.

Minijob, student job or midijob compared: the 2026 and 2027 limits in figures, with worked examples for earnings, hours and pension insurance.

Student job (Werkstudent): up to 20 hours per week you stay exempt from health, care and unemployment insurance. Pension and semester break rules explained.

Loss carryforward in studies: how to prepare your tax return, use the loss in later years and meet the filing deadlines for 2026 and 2027.