This article represents my fourth edition of part-time jobs with health insurance. My previous practice has been to write an entirely new article for each year, containing updated information. Going forward, I’ll be abandoning that practice. Instead, the list will appear in this article, but be updated annually. So below is a list of 20 part-time jobs with health insurance, updated for 2017.
Part-time jobs with health insurance can be a workable solution to health insurance for someone who is self-employed, does contract or gig work, or works in a job that does not offer health insurance.
All information has been verified on relevant employer websites, and not drawn from third-party opinions or forums. It is deemed accurate as of June, 2017.
In the past, there has been a considerable amount of criticism from readers on the whole concept of part-time jobs with health insurance. And while I would concede that this source of health insurance is not the ideal arrangement that everyone is looking for, it sure beats paying the skyhigh premiums for coverage on the Obamacare health insurance exchanges, or going without coverage entirely.
Folks, the post-World War II America isn’t coming back. We’re now living in a very different universe. And in this universe, we are being forced to make compromises at every turn. Health insurance has become prohibitively expensive, and there’s no way to either a) get the kind of soup-to-nuts coverage we all prefer, and b) get it on the cheap.
And if I can add a personal endorsement, my family has benefited from health insurance provided by my wife’s part-time job, for the past 2 ½ years. So for me and my family, part-time jobs with health insurance isn’t a theory, but our reality.
There Are More Part-time Jobs With Health Insurance Than We Generally Assume
Technically speaking, there are part-time jobs with health insurance everywhere. Under the Affordable Care Act (ACA), “full-time” is defined as 30 hours per week or more, or 130 hours per month.
That means that if an employer has at least 50 employees and offers health insurance coverage, you are legally entitled to participate in the plan if you work at least 30 hours per week. 30 or more hours per week may be a heavy part-time schedule, but it’s less than the traditional 40-hour workweek.
In addition, this list is not meant to be comprehensive. Rather, it’s meant to provide examples of what’s available out there. Each employer may be a starting point in your search. If one employer in an industry is offering part-time jobs with health insurance, it’s likely that at least some of their competitors are doing the same. If you see a company on this list, you may find that coverage is available with other competitors in their industry.
20 Part-Time Jobs With Health Insurance 2017
The 2017 list is remarkably stable. The information has not changed materially on most employers since the 2016 list. However, specific details have been updated where necessary, and all page links have been updated to make sure that they are the most current.
Only three employers have been dropped from the 2016 list. That includes Barnes & Noble, Publix and PNC Bank. This is not because these employers no longer offer part-time jobs with health insurance, but rather because it is no longer obvious from their websites. They might still offer the coverage, but you would have to inquire directly to find out.
Taking their place are Southwest Airlines, BB&T Bank, and Fifth Third Bank. Once again, it does appear that banks, airlines and coffee shops seem very likely to offer part-time jobs with health insurance. It’s also fairly common with county governments, hospitals, colleges and universities, and grocery stores.
1. JP Morgan Chase
JP Morgan Chase offers health insurance to employees who work at least 20 hours per week. The program provides medical, dental and vision coverage. There is a waiting period of 60 days for part-timers to be eligible for benefits, but you can include family members on your plan. Coverage is provided by CIGNA and United healthcare, and also includes dental and vision coverage.
Starbucks covers their employees under their Your Special Blend benefits package that includes health insurance and other benefits. You are eligible for coverage if you work (effectively) at least 20 hours per week, but you must work at least 240 hours within a three-consecutive month period to qualify. Dental and vision coverage are also available.
3. Caribou Coffee
Caribou Coffee offers medical, dental and vision coverage to employees who work a minimum of 20 hours per week. Coverage can also be extended to your family members too. You must work 20+ hours per week for six consecutive months in order to qualify, so Caribou Coffee may not be an option if you need coverage in a hurry.
4. Southwest Airlines
There’s no indication of how many hours are required to be considered an eligible part-timer, but Southwest indicates that it does offer health insurance benefits for part-time employees. And if the health insurance coverage isn’t enough, they have one of the most generous employee-flies-free policies in the industry.
UPS offers health insurance and a host of other benefits to its part-time employees, and it has for years. However a friend of mine who is employed by the company says that you must pay out of pocket for the premiums on your family members. I hope he’s wrong, but I’ve never known him to be.
Nevertheless, the company reports ”…we support our part-time employees with full-time benefits.” That’s an impressive declaration, especially to a person who needs health insurance coverage but doesn’t have time to work a full-time job.
Costco offers health insurance for its part-timers. You must average at least 23 hours per week to maintain coverage. That coverage begins the first day of the second month after you’ve completed 450 eligible hours, which sounds like something close to six months.
You may include your spouse and children in the coverage, but they also allow you to include parents and grandparents as well.
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. The coverage is available after 60 days of continuous employment.
Safeway offers part-time jobs with health insurance, but it isn’t across the board. Whether or not it’s available will depend on the store and its location. It may be common practice in some areas of the country, but non-existent in others.
9. BB&T Bank
North Carolina based BB&T offers health insurance to its part-time staff who are regularly scheduled to work at least 20 hours per week. The coverage is offered through Blue Cross Blue Shield of North Carolina, but is available in other states through the “Blue Card” program.
BB&T is a major regional bank with over $220 billion in assets and operations in 15 states.
Many hospitals provide health insurance benefits to their part-time staff. Many of those jobs are in non-medical capacities, including cafeteria staff, administrative personnel, maintenance workers and security guards. Examples include Hartford Hospital in Hartford, CT, Florida Hospital in Orlando, FL, and Children’s Hospital of Los Angeles (CA).
That’s just three of the hundreds of hospitals across the country that offer health insurance to part-time workers, so check with hospitals in your area. I’d also add large local medical practices to the list as well.
11. County Governments
This is an often overlooked source of part-time jobs with health insurance. But many county governments do offer coverage, so this is a real option. For example, just doing a brief search I found that San Mateo County (CA) (minimum 20 hours per week), Hillsborough County (FL) (minimum 20 hours per week), and Calvert County (MD) (“…scheduled to work 50 percent or more of the normal pay period”) all offer medical coverage for part-timers. Check with the county where you live, or those that are close by.
Aetna’s benefit page reads “Aetna 2017 Benefits Overview for Regular U.S. Employees (working 20 hours or more per week)”, which shouldn’t be a surprise since they are an insurance company. In fact, the health insurance plans that they provide are through Aetna, and include an HSA or health reimbursement account (HRA). And no surprise again, they also provide vision and dental coverage, as well as other employee benefits for part-time staff.
REI offers medical plans to part-time employees averaging 20 hours or more per week, under their REI Flex Plan, where you can choose from several medical plans for yourself and your dependents. REI pays for most of employees’ medical plan cost, which is unusual for part-time jobs with health insurance.
14. Whole Foods
Whole Foods part-time employees are eligible for benefits if they work at least 20 hours per week and have successfully completed a probationary period of employment. That’s what is offered on the company website, but since other grocery store chains vary by location, you should check out the location you are applying at to make sure that the benefit is actually available.
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. Benefit coverage begins on the first of the month following or coinciding with your date of hire
16. Colleges and Universities
The University of Georgia offers not only health insurance but also dental, vision and other benefits, including retirement plan options. In order to qualify you must work “75% time”, which we can presume to be 30 hours per week or more on a regular basis.
The University of Illinois also offers health insurance for part-time employees who work 50-99% of a normal work period are defined as part-time insurance employees.
The point is, colleges and universities do offer part-time jobs with health insurance, so check with one in your area.
17. Fifth Third Bank
Banks are common sources of part-time jobs with health insurance. Fifth Third Bank offers health insurance to employees who work a minimum of 20 hours per week. You must be employed by the bank for at least 30 days to become eligible for benefits.
18. SunTrust Bank
SunTrust is a major bank located throughout the Southeastern US, and it offers health insurance to part-time employees. They have several plans, each including prescription drug coverage, including an HSA in combination with the basic health insurance plan. Unfortunately, they don’t indicate how many hours required to qualify as part-time for benefit purposes.
19. Credit Unions
Like their close relatives, the banks, part-time jobs with health insurance seem to be pretty common among credit unions too. One example is DCU Credit Union, based in Massachusetts. They offer medical, dental and vision to full and part-time employees who work a minimum of 20 hours per week, and also covers family members. Best of all, the coverage begins from the date of hire.
My wife’s health insurance coverage is from a competing credit union, so if you’re looking for part-time jobs with health insurance, the credit unions should definitely be considered.
20. Delta Airlines
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. Delta offers a full range of benefits to part-time employees even apart from health insurance, making it a desirable place to establish a solid part-time career, if that’s your choice.
Caveats to be Aware of When it Comes to Part-Time Jobs With Health Insurance
As I wrote at the outset, everything connected with health insurance has become imperfect, and that includes part-time jobs with health insurance. If you are applying for these jobs, please be aware of the following:
- The high cost of health insurance is causing employers to change providers and benefit policies on a regular basis. An employer that offers part-time jobs with health insurance now may not have it a year from now.
- The employer subsidy on health insurance plans for part-timers is usually not as generous as it is for full timers. It’s even possible that there may be no subsidy at all.
- Plans may cover the employee only, and not the employee’s family. Or at least there may be no employer subsidy on the premium for the employee’s family.
- Watch out for employers that offer limited benefit plans. These are not true health insurance, as they will only pay a flat fee for certain health conditions. As well, they are not ACA-compliant, which means that they will not exempt you from the Obamacare penalty for not having health insurance.
- Be sure that you are very familiar with the details of the insurance coverage for any part-time job that you accept, if getting health insurance is the primary reason for taking the job.
The whole idea of part-time jobs with health insurance has worked brilliantly for my family. The reality is that there are all kinds of different situations with different people, but I think this offers a real solution to the healthcare dilemma in a lot of cases.
At a minimum, part-time jobs with health insurance can provide cost-effective health insurance from a non-traditional source. But longer term, it could be the perfect way for a self-employed person, or someone doing gig work, to get coverage without having to resort to the super-expensive policies on the healthcare exchanges.
Have you had any experience with part-time jobs with health insurance? Please share your experience if you have. Also, feel free to suggest other employers who offer coverage for part-timers.