20 Part-time Jobs With Health Insurance

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. This list will instead be updated annually. 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. 

20 Part-time Jobs With Health Insurance
20 Part-time Jobs With Health Insurance

All information has been verified on relevant employer websites and 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.

Three employers 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.

2. Starbucks

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 is available for your family members. 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.

5. UPS

UPS offers health insurance and a host of other benefits to its part-time employees, and it has for years. A friend of mine who works for UPS says that you must pay out of pocket for the premiums on your family members. I’ve never known him to be wrong.

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.

6. Costco

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.

8. Safeway

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. Coverage is with Blue Cross Blue Shield of North Carolina. It 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.

10. Hospitals

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

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.

12. Aetna

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.

13. REI

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. They pay 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. Check out the location you are applying at to make sure that the benefit is actually available.

15. Aerotek

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.

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, consider the credit unions.

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. They offer 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:

  • 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.
  • 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 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.

( Photo by Piutus )

46 Responses to 20 Part-time Jobs With Health Insurance

  1. Costco and Trader Joe’s might work for me. Good list. I heard REI also offers health insurance for part timers.

  2. Hi Joe, I’m thinking Starbucks for me, if the need arises. As a blogger I hang out there and work with friends just to avoid the cabin fever issue. Free WiFi! With health insurance the whole package would flow nicely.

  3. What a great idea, thanks! I’ve been thinking of getting a part time job, now I know where to look.

  4. Hi Kakidasa–Just check to see if ANY employer you apply to has health insurance for part-timers. I was surprised at how many do. I think it’s one of the best kept secrets in the job market right now. A lot of companies that run on part-timers have to sweeten the pot to attract them and health insurance is probably the best incentive of all.

  5. Thanks Kevin, I have posted this to my Facebook. I knew about Starbucks, they have been doing this for years.

    LOL, not surprised about Walmart as when I worked for them as a cashier many years ago, if you could not afford their insurance – it was the welfare route to go if you qualified. I saw many single parent cashiers having to do this and it was like, you are working for Walmart?????

    It is places like Walmart that the media needs to keep an eye on. I finally got about $700 out of them for not giving us our required lunch time breaks. This was in Orlando, Florida. They are not required to give breaks, but after working a maximum of 6 hours, their registers now shut down. When I was working, they kept you on the register and lied about you getting a lunch and fired you if you complained. Sad to say, it took a group class action suit to get this fixed. LOL, it was years before I got the check in the mail, but God was good and it was forwarded to my new address. That was God as the post office only forwards mail for a certain time. Thank you JESUS as I sure needed that cash.

  6. Hi Angela, sorry to hear about your Wal-Mart experience. Still there are enough part time jobs with health insurance that we have some options, especially when pre-existing conditions make getting private coverage hard, expensive or impossible. And that’s what this post is about–options!

  7. Thanks for sharing this long list Kevin of part time jobs with benefits. I’ve heard stories about Walmart as Angela shared above. It’s a shame. They are supposedly the department store giant. I guess they feel that they can behave this way and get away with it. Walmart moved into my area and caused one of my favorite stores to go out of business. I was never a fan of Walmart.

  8. Hi Vernette–I’ve heard stories as well, but at the same time I have to give Walmart–or any other company that provides health coverage to their part time staff–a lot of credit for doing so. All things being equal, I’d take a part time job with health insurance over one that doesn’t offer it. Even if it isn’t perfect coverage, it’s worth having; we’re getting to a time when every health plan out there has flaws. It’s part of the way health insurance companies are dealing with the relentless rise in healthcare costs.

    As to Walmart running stores out of business, that unfortunately is the Big Box model. Every large company is doing that to one degree or another. Walmart gets most of the criticism because they’re the most efficient at doing it. We’re all to blame too as consumers. We want to pay the lowest price for everything we buy–and again Walmart is very good at delivering this to us–but we don’t realize that we’re paying for low prices through lost jobs. This is a big part of the employment problems we’re having nationwide and why I don’t think it will get better any time soon. Ironically, the more jobs that are lost, the more people are pushed to buy at the big box retailers because that’s all they can afford. It’s a great big Catch-22.

  9. Starbucks is interesting, in that you have to work any (even part-time) hours they give you, at any location they choose to get this health insurance-it can mean a good deal of driving around to get to the location you are scheduled for.

  10. Hi Janet–I’m sure there’s a hoop or two at any employer who will provide health insurance. But if it’s the difference between having coverage or not, it will still be worth the effort. Unfortunately, the world of low stress jobs with regular hours and responsibilities is gone, even in part time work.

  11. The Renaissance Hotel I work at, which is under Marriott management, offers health insurance to employees who work an average of 30 hours/week over a three month period. 🙂

  12. Hi Laura–I had heard rumor that Marriott offered health insurance to part timers, but left them off the list because I couldn’t confirm it. Thanks for adding it!

  13. A note for Krogers, part-timers are eligible after 9 months to get insurance. I work in Houston, but I’d imagine it’s the same for all Krogers

  14. Hi Travis–I did some research on this when writing the article. Grocery chains are not typically uniform in their health insurance offerings. Some districts or individual stores will offer it while others won’t. And terms can vary as well.

    I don’t think I’d want to wait 9 months for coverage, but if there were no other choice it would seem like an oasis in the desert!

  15. Yeah, I really didn’t have a choice. It was either that or start over at another job. I was transitioning from my parents insurance off at age 26 to Kroger’s, so I only had to wait a few months in effect.

  16. Glad to hear it worked out for you Travis. I didn’t include Kroger on the list because it didn’t appear that they offer health insurance for part-timers at all of their stores. But that seems to be true of the grocery industry in general.

  17. It will be interesting to see what happens to these plans beginning in 2014. The Affordable Care Act lists ten essential health benefits, and applies other mandates for group health plans.

    Many of the limited benefit plans popular with these employers do not meet the criteria. Also, part time workers may be able to purchase subsidized policies through their state exchanges.

  18. Hi Kevin–I see PPACA as a game changer, once it rolls out in full all bets are off. My guess is that premiums will skyrocket (using Mass. as an example) and that people will flock to group plans. But the group plans will look different than they do now, and probably be more expensive too (as you said, in order to comply).

    We have a healthcare nightmare in the US that I’m not at all sure is even partially addressed by reform. Unless we can get control of the cost side, we’ll probably continue in some form of escalating crisis until a meltdown forces real reform.

  19. My latest job actually gives us free health insurance which I thought was pretty cool. In fact, they say its free, but actually they take $75 out of my salary each month, just goes to show, nothing is free in life eh?

  20. $75 doesn’t sound like free, but as an employee contribution it’s way down on the low end of the scale. I know people who pay 100% of the cost, and others who have to pay 100% of coverage for family members.

  21. Might want to check into the logistics of the “health insurance” plan actually administered by a legit Cigna Health Care for part time employees of JCPenney. I was told that I would get the same plan as the manager who interviewed me but upon checking into the plan it showed that employee must contribute approx $100 per month for a maximum yearly payout of $1000 in one year, so the premium is higher than the payout They actually make money on this plan on the poor individuals who they sucker into believing that no one would lie to them. Check into the JCP story on part time health care and you might want to retract them in your article or do another update in the article. Some companies actually do offer a legit program, but JCP does not and yet they can still call this a PPO health insurance plan. New employee beware!

  22. Hi Debbie, thanks for the heads up. The situation at JC Penny has been changing rapidly in the past year or so, so it’s hard to keep track.

  23. I’m an employee for Trader Joes and work part time and have received full medical, dental, retirement benefits for years for working just 17-20 hours a week. Are you ready for this – Trader Joe’s just came out and is dropping medical benefits for part time employees. Now any employee that works less than 30 hours a week will be dropped. They will now have to go on to the health exchanges and buy their own insurance. Just received letter from our headquaters. Huge disappointment – my wife and I are deciding now what we need to do.

  24. this must be old information. Companies are now hiring part time at 16 hours max. per week so that they do not have to pay for benefits. Barnes and Noble is one good example, and any restaurant just try and good luck you will find dead ends everywhere.

  25. MY job offers group insurance but to include my unemployed wife on the plan will cost just short of 500.00 monthly. We will be homeless for sure if we were to sign up for it. Do not qualify for Obama care. Not really sure what to do at this point for her.

  26. No Bill, it’s from this past spring. There’s a lot of speculation on it because of the roll out of Obamacare, and companies are adjusting their policies. But companies like Starbucks DO have legitimate health insurance for part-time workers. I understand your position, but I wouldn’t be too negative, otherwise you might shut the door on some decent opportunities.

  27. Bill, she might want to try one of these part-time arrangements then. It’s worth it to get a job just for health insurance. Otherwise try a catastrophic plan with a very high deductible. At least you’ll have the larger bills covered, plus you’ll have more options in a major medical situation. No health insurance at all is the worst outcome.

  28. Does anyone know of companies that have a zero or shorter grace period than 90 days for health coverage?

  29. Toys R Us/Babies R Us offers insurance to part time employees. You don’t even have to wait 90. You can apply the day you get hired.

  30. Hi Stacy – I hadn’t heard about them offering coverage, but it sounds logical. I’ll have to do some research and add a link. Thanks for the information.

  31. Hi Missy – Thanks for the update. For some people who have no other choice, the one year wait might be worth it. A friend of mine who works for UPS also said that they provide coverage for the employee only, and coverage for other family members must be paid out of pocket. Depending on what the cost is for your family members, it may or may not be worth it.

  32. I work in human resources at one of the above listed department stores. I believe most if not all of them are referring to health savings accounts which we all know are not health insurance.

  33. Hi Sandy – I don’t doubt it. That said, my wife just started a part-time job (20 hours per week) at a local bank that provides health insurance, so there are situations out there where it’s available.

  34. This is a great article, but maybe the costs have changed since you wrote it. The “bronze” plan that we could buy, the one that covers about nothing, is $900 a month with a $13,000 deductible. We opted for one that covers more that is 1241 a month. Yikes, three times our mortgage payment. Thank goodness we live in a cheap house, otherwise we would be without health insurance. Another thing to note is that the plans available for individuals suck. We had united healthcare last year, tinkled away over $1000 a month and they wiggled out of paying most everything for one reason or another. Kevin, I was thinking of doing temporary insurance one year, then regular insurance the next, then temporary, etc. Do you know if this would work, is there a limit to the number of times you can get on a temporary plan? I also wondered if you lose your insurance because you can’t afford to make a payment, do you have a right to re-enroll at any time or do you have to wait until the open enrollment period?

  35. Hi Robin – I didn’t even give Obamacare quotes in this article, so I’m not sure what you’re referring to. Also, my understanding (which could be wrong) is that Obamacare deductible/out-of-pocket limit is $6,500. I wasn’t aware of a $13k deductible. A deductible that high is like having no health insurance at all, since close to 90-something percent of all claims would be paid out of pocket. And that’s in addition to more than $10k per year in health insurance premiums.

    I don’t know enough about temporary policies to say if they’re worth having. One of the major issues though is whether or not they’re Obamacare compliant (meaning you won’t have to pay a penalty for not having coverage).

  36. UPS does offer medical, vision and dental insurance, that they pay for BUT the last couple of years adjusted the waiting period to a year. You must be a part-time employee for a year before the insurance kicks in, but it’s very good insurance…That’s why I’m there.

  37. Hi Janet – The one year waiting period is what I’m hearing all over. Is it also true that the company paid coverage does not include an employee’s family?

  38. I applied for a part time job who claimed to offer health insurance for employees no matter how many hours they worked. A COMPLETE LIE. You had to be full time to get them.

  39. Hi Marie – I’m sorry to hear that. I wouldn’t believe them in the first place unless it was clearly stated on their website. That’s why I verified and backlinked just about all of the employers on this list (which have been updated in more recent editions of this post).

    A disturbing trend has been developing in recent years in which employers routinely lie to get people to accept jobs. This is the first time I’m hearing of it with health insurance. It’s much more common in regard to bonuses, overtime, rank, promotion and even base salary. I’ve even seen them lie about the job description, which is extremely common when it comes to sales and telemarketing jobs.

    You really have to cross examine employers and get third party references before accepting a job. Honesty seems to be yet another casualty of the times. What’s ironic is that if you lie to them they can fire you. What’s their penalty for lying???

  40. Hi Kevin:

    Regarding your comment to Marie about employers lying about anything or everything just to get employees in the door, I have found this to be true. My own family experience it when the husband left a very good, and I mean very good, high-paying, $100 grand/yr job to work for a smaller company. After a few years, he would gradually buy the business. This employer lied about the salary, the bonuses, everything. He even had it all put in writing on the acceptance letter, but he never paid it. My family member, who has a wife and two small children, was forced to leave after three months of fighting and having to pack up, sell their home and move across the country to another job. It was devastating for them, not to mention the cost. So, yeah, it’s ugly out there for many people now. I say think long and hard before making big decisions on employment changes.

  41. Hi Bev – Years ago I did a mortgage for a family moving to Atlanta from the Midwest. The husband accepted a top management job with a company that would pay him several thousand dollars per year. On that promise – written and legal – the family moved to Georgia and bought a house in the $800k range with a very large mortgage. Only days after the closing the company let him go. Apparently they only needed him for credibility in some sort of financing deal. Once they got their deal, they got rid of him. The family had to sell the house and return to the Midwest. I’m sure they took a loss on the sale, to say nothing of the blow to this guy’s confidence. I’ve heard and seen that happening to foot soldiers, but this was my first experience with someone who was near the top of the corporate chain. I suspect this is more common than we generally assume. I’ve heard of others who have been transferred to a small city on a fat salary, only to be let go months later. In a small city, there may be no comparable jobs so the family has to move again. That’s a tough way to live. And all because the truth doesn’t matter.

  42. Well said…”The truth doesn’t matter.” I suppose many of us know someone who has endured these types of horror stories or have had it happen to ourselves. I don’t know what’s happening out there anymore or what happened to values. Perhaps it’s best to live big by living small. P.S. After more consideration, we’re staying up north…something about the ‘road less traveled…! 🙂 Thanks again for your conversation about this.

  43. FedEx Express gives health insurance to part time employees. And the latest issue of Forbes magazine of top 100 companies says that there are 20,000 job openings currently at FedEx Express.

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