11 Part-Time Jobs With Health Insurance for 2022

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Employers of a certain size, by law, need to offer medical health insurance to full-time staff. But some employers extend coverage to part-timers, too.

The Inexpensive Care Act, commonly referred to as Obamacare, defines “full time” as 30 hours or more per week. That’s right — 30, not 40.

“That definitely doesn’t sync up with common usage,” David Frazzini, a partner and health advantages expert on the HR consulting firm Mercer.

For those who commonly clock 30 hours per week, and in case your employer is large enough, they needs to be providing medical health insurance, in line with the ACA.

Some employers market this as a perk but, really, they’re obligated to provide it to you. Or they might offer some health advantages to part-timers, however the perks aren’t robust enough to qualify as medical health insurance.

Other firms really do go above and beyond what’s required by law. Listed below are seven big employers that supply part-time jobs with medical health insurance.

11 Places to Find Part-Time Jobs With Health Insurance

These employers offer medical health insurance to part-timers working lower than 30 hours per week.

  • Chipotle

  • Costco

  • The federal government

  • Lowe’s

  • REI

  • Starbucks

  • UPS

  • JP Morgan Chase

  • Amazon

  • Walmart

  • National Guard

More details about each of the 11 employers and their health care offerings for part-time staff:

1. Chipotle

All hourly staff at Chipotle restaurants are eligible for a set of medical health insurance plans. The fast-casual burrito chain provides medical, dental and vision insurance with dependent coverage.

Medical plans can be found through Anthem, in line with the corporate’s latest advantages handbook. The vision plan is thru EyeMed, and dental is thru Delta Dental. Through a separate worker assistance plan, you too can receive mental health counseling for you and your dependents without spending a dime — face-to-face, over the phone or through teleconferencing.

Health plans are only a number of the perks available to part-timers. The corporate has been beefing up its advantages package for years. Chipotle also offers accrued paid break day, sick leave, stock options, a 401(k) plan and tuition reimbursement to part-time staff.

Chipotle operates in 48 states and Washington, D.C. Discover a job near you on Chipotle’s profession page.

2. Costco

Costco, the membership-based wholesale retail chain, is thought for providing comprehensive advantages and fair wages. For those who work as a everlasting, hourly part-timer within the contiguous U.S. for a mean of not less than 23 hours per week, you qualify for medical health insurance and other advantages. In Hawaii, you’ll qualify for advantages so long as you’re logging not less than 20 hours per week.

The Aetna health plan for part-timers has a $550 individual deductible, and also you’ll be charged a copay for many doctor’s visits and prescribed drugs. The corporate shares its health-care advantages summary publically.

In keeping with Costco’s advantages website, the advantages begin the “first day of the second month following 450 eligible paid hours” within the contiguous U.S. For instance, when you’re working 24 hours per week, it’s going to take you about 4 months to accrue 450 working hours. Your advantages would start after that, on the primary day of the next month.

For those who’re in Hawaii, you simply have to work at Costco for 4 weeks. Then, the advantages will start on the primary day of the following month.

Costco stores are situated in 45 states and Washington, D.C. Search for jobs near you on the corporate’s profession page.

3. The Federal Government

Regardless of how few hours you’re employed for the federal government, you’ll be eligible for a similar medical health insurance advantages as full-time employees — so long as your position is everlasting.

What varies is how much comes out of your paycheck, in line with the Office of Personnel Management, the agency that manages the federal government’s civilian workforce.

“Part-time employees… receive the identical coverage as full-time employees but pay a greater percentage of the premium,” the web site states. “For instance, an worker on a 20-hour-per-week schedule receives one-half the Government contribution towards the premium.”

Yow will discover federal government jobs at agencies similar to the Postal Service, the Internal Revenue Service, the Federal Bureau of Investigations and the Department of Veterans Affairs on the USA Jobs website.

4. Lowe’s

The house-improvement retailer offers regular, part-time staff a wide range of advantages at most locations. You may enroll in medical, dental, vision and pharmacy plans upon hiring, and advantages will kick in after a full month of employment, though the advantages are limited for part-timers.

There are three different coverage options. Each plan has a $300 deductible, or $600 per family:

  • Low Plan: Covers as much as $2,500 in medical expenses per yr.

  • High Plan: Covers as much as $5,000 in medical expenses per yr.

  • Enhanced Plan: Covers as much as $50,000 in medical expenses per yr.

Pro Tip

Use Lowe’s advantages calculator to see what medical coverage is on the market in your area.

For those who are a part-time worker, there are some exemptions in coverage if you’ve gotten a pre-existing condition for the primary 12-18 months.

Lowe’s operates in all 50 states. Check its profession webpage to seek out jobs nearby.

5. REI

REI, which stands for Recreational Equipment, Inc., is a membership cooperative that gives outdoors equipment and apparel on the market and for rent. Co-ops aren’t like traditional businesses. They’re run more democratically and are focused on the needs of their members and staff slightly than consumers or investors.

So it is smart that they provide a generous advantages package. Several health care plans can be found to part-time employees who work not less than 20 hours per week, including an HSA, PPO and in select states, Kaiser Healthcare Plans.

But there’s an enormous catch: You’re going to need to wait for medical coverage. You won’t be eligible until a yr after your hire date as a part-time employee.

The corporate operates in 39 states and in Washington, D.C. and employs greater than 153,000 staff. Use REI’s job board to see in the event that they’re hiring near you.

6. Starbucks

A Starbucks employees gives an order to a customer within the drive-thru.

Starbucks provides five tiers of medical plans for eligible hourly staff, and eligibility is predicated on a piece week of about 20 hours. The precise number is somewhat more complex and is predicated on 240 hours worked over a 3 month period.

“For instance, when you are hired on May 2, we’d measure for 240 paid hours in June, July and August. For those who meet the requirement over that point, you’d receive your enrollment kit in September and turn into advantages eligible effective October 1,” in line with an worker advantages packet.

Starbucks can be one among the few major employers that may pay to your college education as a part-time employee.

Starbucks’ latest medical insurance package includes Bronze, Bronze Plus, Silver, Gold and Platinum coverage options. Depending on the plan, individual deductibles range from zero to $3,300. And copays run from $25 to $50 for doctor’s visits.

Starbucks operates about 15,000 stores across all states within the U.S. Discover a gig nearby through its online profession board.

7. UPS

UPS has one of the vital comprehensive advantages packages for part-time employees. It includes medical, dental, vision and pharmacy programs.

Plans may vary by location. In keeping with the TeamstersCare advantages page, you’ll have to work not less than 225 hours over any three month period to qualify. That’s roughly 18 hours per week. For those who work 400 hours over three months, you’ll gain access to full-time advantages over that point period.

UPS operates about 5,000 stores nationwide. You may search for jobs online using UPS’s profession portal.

8. JP Morgan Chase

For those who work at JPMorgan Chase for not less than 20 hours per week, you qualify for medical health insurance advantages. After working for not less than 60 days, you will probably be eligible on the primary day of the last month.

So let’s say you bought hired on June 15. In August, you’d have logged 60 days. You’d be eligible for coverage Sept. 1.

There are a number of various plans offered through Aetna or Cigna. For those who live in California, you’ll even have the selection of a plan offered by Kaiser Permanente.

To see if there are part-time jobs available near you thru JPMorgan Chase, checkout their profession site.

9. Amazon

Work 20-29 hours per week at Amazon? Then you definately’re eligible for medical health insurance, unless you reside in one among the next states:

  • Connecticut

  • Illinois

  • Indiana

  • Maryland

  • North Carolina

  • Pennsylvania

  • Utah

  • Wisconsin

There are multiple plans available in the remainder of the states, all of which offer 100% coverage of preventative care. Deductibles range from $100 to $1,500 for people, and $300 to $4,500 when you want coverage to your entire family.

Amazon employs nearly 1 million people in America. For those who’re taken with becoming one among them, you may take a look at current openings here.

A man rings up a pack of coca-cola for a customer at Walmart.

A person rings up a pack of coca-cola for a customer at Walmart.

10. Walmart

Walmart labels individuals who work 30 hours/week as part-timers – though they’re considered full-time staff under the ACA.

Nevertheless, certain jobs at Walmart will provide medical health insurance when you are truly part-time, so long as you’re employed not less than 24 hours per week over a two-month period. Those jobs include:

  • Pharmacists

  • Nurse practitioners

  • Supply chain associates

You turn into eligible for advantages after you’re employed 60 days at part-time status in one among these positions, but they won’t kick in until the month where you’ve worked for 89 days.

Here’s how Walmart explains it: “For instance, let’s say your hire date is May 11, 2022. Your sixtieth day is July 9, and on that day you’ve worked enough hours to satisfy the requirement. Your 89th day is Aug. 7, so advantages turn into effective on Aug. 1.”

Yow will discover open positions here when you’re taken with being one among their 1.6 million US-based employees.

11. National Guard

Age 35 or under and think you’ve got what it takes to be a reservist? If that’s the case, the National Guard offers coverage through TRICARE Reserve Select.

Costs depend upon your rank. For those who’re E1-E4, deductibles are $56/individual or $112/family, while ranks of E5+ — who’re paid more — have deductibles of $168/individual or $336/family. For those who only need coverage for yourself, it’ll run you $46/month in premiums. For those who want family coverage, premiums are $229.99/month.

TRICARE doesn’t necessarily mean every little thing’s covered. The truth is, there’s a big list of exclusions; plans offered by Starbucks provide more coverage in some instances.

Joining the military whilst a “part-time” reservist is a serious commitment. Remember to fully understand the obligations before signing your name on the dotted line. For those who do resolve that service is true for you, here’s where you may learn more.

When an ACA plan is cheaper and smarter for part-timers

Many circumstances may drive you to search for medical health insurance through a part-time job. Possibly your partner has a full-time job and also you don’t have to work as much. You would possibly have child or elder care responsibilities. Or perhaps you’re trying to “retire” early as a part of the FIRE movement.

Regardless of the case, Frazzini of Mercer says to think about your options on the ACA health-care exchange website.

“For low-income people, the subsidies on the ACA exchanges are pretty generous,” he said, noting that subsidized health plans through the exchange could also be cheaper than ones provided by an employer when you’re a part-timer.

In some cases, being eligible for an employer-sponsored plan as a part-time employee may not be a superb thing.

“For those who are offered coverage by your employer, you really turn into ineligible for those subsidies — no matter whether you’re taking it,” he said.

Also bear in mind that some employers offer health advantages but not medical health insurance. For instance, in 2021, Goal  began offering its part-timers a certain variety of free telehealth visits with doctors and therapists. And a few firms offer cost-share perks for hospitalizations.

Pittsburgh-based author Brynne Conroy is the founding father of the Femme Frugality blog and the creator of “The Feminist Financial Handbook.” She is an everyday contributor to The Penny Hoarder. Adam Hardy is a former staff author. 

This was originally published on The Penny Hoarder, which helps tens of millions of readers worldwide earn and lower your expenses by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder because the fastest-growing private media company within the U.S. in 2017.

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