My first go round with this topic was written back in 2011, which was before the roll out of Obamacare. Now that Obamacare has been in force for a complete calendar year, it?s time for an update on this very important topic. Herewith, 20 part-time jobs with health insurance 2015.
In a way, the 2015 edition of this list is so much more important than the original one. It?s generally assumed that Obamacare took a wrecking ball to the insurance industry across the board, and forced employers to abandon providing health insurance for their employees, particularly those who work part-time.
(Please see the updated 20 Part-time Jobs With Health Insurance post for the most current list of employers who offer health coverage for their part-time staff.)
This updated list proves that that assumption is not entirely correct. When I started this project, I fully expected that to find only 10 or 12 employers offering part-time jobs with health insurance. Instead I came up with 20, and did so fairly easily.
As OutOfYourRut.com is first and foremost a site dedicated to navigating the uncertain and often treacherous universe of earning a living in the 21st Century, the availability of health insurance is a mission critical function in that regard. I hope that you will be both educated and encouraged by the information that this update provides.
And there?s one more thing?
My Wife and I Are Real Life Examples of This List
This isn?t just a list compiled for the purpose of creating compelling content. My wife and I currently have our health insurance through a part-time job she holds at a bank. She works 20 hours per week at a small, local bank, and we have full, Obamacare-compliant health insurance for the both of us.
My entire purpose in writing the original post back in 2011 was to have a body of research available to use in the event that we needed a Health Insurance Plan B.
Though finding part-time jobs with health insurance may not always be the perfect situation, it can be a solution for a lot of people. Please don?t discount the possibility, and please use this list to your advantage.
A few more points before we get to the list:
- The healthcare world is changing, so it?s entirely possible that one or more employers listed here will drop coverage for part-timers in the not-too-distant future (this article is published March 17, 2015, so the information is current only as of that date). As an example, gone from the original list are Target, Macy?s, JC Penny and Trader Joe?s.
- Part-time jobs with health insurance often lack any sort of employer subsidy; that will make it more expensive.
- Many companies offer coverage to the employee only, but there others who will extend coverage to immediate family members.
- Many of the companies that do offer part-time jobs with health insurance offer only limited benefit plans, which are not true health insurance. To the best of my knowledge, there?s only one employer on this list (Lowe?s) that has such a plan, the rest are all the real deal.
- You should ask about health insurance for any part-time job you apply for, particularly if they are in industries related to any of the companies on this list.
With those points in mind, here are 20 Part-Time Jobs With Health Insurance 2015 edition.
(SPECIAL REQUEST FROM OTHER BLOGGERS AND WEBSITES: If you would like to use the information in this post, feel free, but please include attribution back-linked to this article. A post like this requires considerable research, which includes the work done in providing direct links to very specific employer-source webpages, where they are available. Thank you!)
1. JP Morgan Chase
Banks are one of the most prolific industry groups to offer part-time jobs with health insurance. JP Morgan Chase offers health insurance to ?all employees?. The site doesn’t provide the details, but it’s a good bet that health insurance will be available for any employee who works at least 20 hours per week. That seems to be the banking industry norm.
Starbucks is the company that most frequently appears on this kind of list anywhere. If you work at least 20 hours per week, the company offers its Special Blend benefits package, that includes health insurance coverage for you and your dependents. They also mentioned domestic partners, so we can assume that the coverage extends to spouses.
3. Caribou Coffee
Like Starbucks, Caribou Coffee offers medical, dental and vision coverage to employees who work a minimum of 20 hours per week.
You can see from Starbucks and Caribou Coffee that there are certain industries where part-time jobs with health insurance are more prevalent. It?s likely that there other competitors in the coffee house field offering similar benefits.
4. Barnes & Noble
This one is a bit controversial. Barnes & Noble offers health insurance coverage to part-timers but there’s ample scuttlebutt that you have to be with the company for at least one year in order to get it. Still and all, if there were no other choice, this would be better than having no health insurance coverage at all.
UPS is another regular on virtually every list of companies offering part-time jobs with health insurance. The company makes it clear on it’s website that it does provide health insurance for part-time staff. However I do have to note that a friend of mine who works for the company indicated that the plan only covers the employee. You will have to pay the full cost of the plan for your spouse and dependents.
Costco offers the Part-time Aetna Select Plan for it?s part-timers, and it looks like it extends to family members as well. You can check out the benefits available under the plan on the Benefits Summary.
7. The Fresh Market
The Fresh Market offers medical coverage and other benefits to employees who work a minimum of 30 hours per week. They offer “low cost medical, prescription, life, dental and vision coverage” for their part-time employees, and their eligible dependents. The 30 hour requirement is certainly heavy part-time, but it is part-time. Oh, and the food at this specialty grocer is top-of-the-line. Even though the chain is fairly small, we had a store near us in Georgia, and also one now that we live in New Hampshire.
Safeway offers part-time jobs with health insurance, but does so in select locations. That is to say that while there may be part-time jobs with health insurance at some stores, and in some states, it?s not universal.
This seems to be standard practice in the grocery industry, which will also apply to employer #9.
Publix offers health insurance to its part-time staff, but like Safeway, it varies by location. This was one of the main stores that we shopped at when we lived in Georgia, and we consider it to be a top-of-the-line grocer.
Not all hospitals offer health insurance to their part-time staff, but many do. It?s also important to understand that not all jobs in hospitals are purely medical in nature. They also hire maintenance workers, security guards, cafeteria staff, and administrative staff. Florida Hospital located in the Orlando area offers health insurance to eligible full-time and part-time employees at an affordable rate. Coverage is also available for dependents at an additional cost.
Florida Hospital is just one example. If you would like to get part-time job with health insurance, check out hospitals in your area. There?s a better than even chance that several of them will have part-time jobs with health insurance.
11. Local Governments
In the original post, I wrote:
?Many part-time jobs in county and municipal governments and school districts frequently have part-time jobs with health insurance. Fairfax County, Virginia is an example; they’ll pay 50% of the premium for health plans of employees who work less than 30 hours per week. Check out part-time jobs with local governments or their agencies in your area to see what kind of part-time arrangements (with health insurance) are available.?
That information is still valid now. And if you like kids, look into part-time bus driver arrangements. They often provide health insurance as well.
Lowe?s offers a limited benefit health plan, which is one of those plans that will pay flat dollar amounts per medical event. They aren?t ?Obamacare compliant?, which means that you will have to pay the 2015 tax penalty of the higher of 2% of your income, or $325 per person in your household, as if you had no health coverage at all. Still, this kind of coverage is better than having no coverage at all.
REI offers medical plans to ?full and part-time employees averaging 20 hours or more per week?. They call it the REI Flex Plan, where you can choose from several medical plans for yourself and your dependents. Bonus: REI pays for the majority of employees? medical plan cost (this is not always the case with part-time jobs with health insurance).
14. Whole Foods
Whole Foods Team Members are eligible for benefits if they work at least 20 hours per week and have successfully completed a probationary period of employment (the probationary period term was not indicated on the website).
Aerotek is an international temporary agency that offers medical benefits to its contract workers who work at least 20 hours per week. Medical benefits include dental and vision coverage, extending to spouses and dependent children. Check out Aerotek?s benefits page for more information.
This can be a perfect way to obtain health insurance if you are between jobs, since transitioning into a full-time position from a contract assignment has become a common practice.
16. Allegis Group
This one isn’t certain. Though it routinely appears on various lists of employers offering health insurance to part-time employees, the company website doesn’t say so specifically. Language on the site seems to indicate that benefit terms are determined by the contract arrangement with the individual client company. So the answer here may be that there’s health insurance coverage on certain assignments, but not in others.
17. PNC Bank
One of several big banks on this list, PNC Bank extends employee benefits, including medical and prescription drug coverage, to part-time employees. We can probably also assume that the industry standard minimum of 20 hours per week also applies here. PNC has branches all over the Northeast.
18. SunTrust Bank
SunTrust offers health insurance to part-time employees. They have several plans, including an HMO, PPO, and a high deductible account with a health savings account (HSA). Each plan includes prescription drug coverage. SunTrust has branches all over the Southeast.
19. Credit Unions
Just as is the case with banks, part-time jobs with health insurance seem to be pretty common among credit unions as well. Massachusetts-based DCU Credit Union offers medical, dental and vision to full and part-time employees who work a minimum of 20 hours per week, and it includes domestic partners. Employees each receive a weekly Caf? Plan contribution that can be used toward health plan costs.
20. Delta Airlines
This one took me by complete surprise. In fact, I found it after a desperate search – literally going from from one company site to another – to find the 20th employer to round out this list. But yes, Delta Airlines provides health insurance coverage to part-time employees and their eligible dependents. In fact, they offer three different plans, depending on where you live.
Summary of Part-Time Jobs With Health Insurance 2015
One of the things that I found encouraging in preparing this list, as mentioned at the outset, is that I expected to find far fewer companies offering health insurance for part timers post Obamacare. Instead, coming up with 20 was fairly easy (except for Delta – that was a shot in the dark). That leads me to conclude that there are probably scores of other employers out there that also offer coverage for part-timers.
One other thing that blew me away was the diversity of industries that these employers appear in. We have banks, credit unions, grocery stores, coffee houses, temporary job agencies, local governments, hospitals, couriers and airlines represented. It?s likely that there other industries with employers who offer health insurance to part-timers. If health insurance is a problem for you, due to either cost or availability, look for a part-time job with the intent of finding one that specifically provides coverage. This list, and the experience of my wife and I, prove it to be possible.
I?m not claiming that this is the perfect health insurance solution for everyone out there. But it is an excellent option to have nonetheless. It could be the health insurance answer for people who are between jobs, self-employed, or working at a full-time job that does not offer health insurance. And it?s likely to be whole lot more cost-effective than anything you will find on the health insurance exchanges.
Please feel free to weigh in with your thoughts and experiences in regard to part-time jobs with health insurance. It would be to everyone’s benefit if this would become a growing trend in the future.