By law, employers of a certain size must offerhealth insuranceto full-time workers.
However, it’s possible for you to get some part-time jobs with health insurance, too.
Thats right 30, not 40.
In addition to health insurance for part-timers, Starbucks also pays toward their college education costs. Photo courtesy of Starbucks
Some employers market this as a perk but, really, theyre obligated to give it to you.
Other companies really do go above and beyond what is required by law.
Here are 12 big employers that offer part-time jobs with health insurance.
We can help you find employers that offer health benefits for part-time employees.
However, even insurance doesnt covereverything.
Check out some of our favorite ways to make easy money to help cover medical expenses.
Chipotle
All hourly workers at Chipotle restaurants are eligible for a suite of health insurance plans.
The fast-casual burrito chain provides medical, dental and vision insurance with dependent coverage.
Medical plans are available through Anthem, according to the companys latestbenefits handbook.
The vision plan is through EyeMed, and dental coverage is through Delta Dental.
Health plans are just some of the perks available to part-timers.
The company has been beefing up its benefits package for years.
In 2024, Chipotle addedfinancial wellness and student debt repaymentprograms to its robust benefits offering.
Chipotle operates in 48 states and Washington, D.C. Find a job near you onChipotles career page.
Costco
Costco, the membership-based wholesale retail chain, is known for providing comprehensive benefits and fair wages.
In Hawaii, youll qualify for benefits as long as youre logging at least 20 hours per week.
The company shares itshealth care benefits summarypublically.
If youre in Hawaii, you only need to work at Costco for four weeks.
Then, the benefits will start on the first day of the next month.
For example, an employee on a 20-hour-per-week schedule receives one-half the Government contribution towards the premium.
Lowes
The home improvement retailer offers regular, part-time workers a variety of benefits at most locations.
Depending on your area, you may have several tiers of coverage options.
Part-time health insurance options can be particularly favorable in Hawaii, with low to non-existent deductibles and copays.
Lowes operates in all 50 states.
Check itscareer webpageto find jobs nearby.
Co-ops arent like traditional businesses.
So, it makes sense that they offer a generous benefits package.
Severalhealth care plansare available to part-time employees.
The exact number is a little more complex and is based on 240 hours worked over a three-month period.
Starbucks is also one of the few major employers thatwill pay for your college educationas a part-time worker.
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 doctors visits.
Starbucks operates about 15,000 stores across all states in the U.S. Find a gig nearby through itsonline career board.
UPS
UPS has one of the most comprehensive benefits packages for part-time employees.
It includes medical, dental, vision and pharmacy programs.
Plans may vary by location.
Thats roughly 18 hours per week.
If you work 400 hours over three months, youll gain access to full-time benefits over that time period.
UPS operates more than 5,500 stores nationwide.
you could look for jobs online usingUPSs career portal.
So, lets say you got hired on June 15.
In August, you would have logged 60 days.
Youd be eligible for coverage on Sept. 1.
There are a variety of different plans offered through Aetna or Cigna.
If you live in California, youll also have the choice of a plan offered by Kaiser.
To see if there are part-time jobs available near you through JPMorgan Chase, check out itscareer site.
Amazon
Work 20-29 hours per week at Amazon?
Then youre eligible for health insurance.
There aremultiple plans available, all of which provide 100% coverage of preventive care.
Amazon employs over 1.5 million people in America.
If youre interested in becoming one of them, you’re able to check out current openingshere.
Walmart
Walmart labels people who work 30 hours/week as part-timers even though theyre considered full-time workers under the ACA.
Heres how Walmart explains it: For example, lets say your hire date is May 11, 2022.
Your 60th day is July 9, and on that day youve worked enough hours to meet the requirement.
National Guard
Age 35 or under and think youve got what it takes to be a reservist?
If so, the National Guard and the Reserves offer coverage through TRICARE Reserve Select.
Costs depend on your rank.
If you only need coverage for yourself, itll run you about $48/month in premiums.
For family coverage, premiums are $239.69/month.
TRICARE doesnt necessarily mean everythings covered.
In fact, theres a significantlist of exclusions; plans offered by Starbucks provide more coverage in some instances.
Joining the military, even as a part-time reservist, is a serious commitment.
Be sure to fully understand the obligations before signing your name on the dotted line.
If you do decide that service is right for you, heres where you canlearn more.
IKEA
IKEA claims to offer the same benefits package to both part-time and full-time workers.
To qualify, youll only need to be scheduled for 20 hours per week.
Youll be eligible after just 15 days of employment.
IKEA has locations in 29 states and employs over 14,000 people in America.
If youd like to explore becoming one of them, research itscurrent job openings.
Maybe your partner has a full-time job, and you dont need to work as much.
You might have child or elder care responsibilities.
Or perhaps youre looking to retire early as part of theFIRE movement.
Whatever the case, Frazzini of Mercer says to consider your options on theACA health care exchange website.
Also, be aware that some employers offer health benefits but not health insurance.
For example, Target offers its part-timers free telehealth visits with doctors and therapists.
Some companies offer cost-share perks for hospitalizations.
She is a regular contributor to The Penny Hoarder.
Adam Hardy is a former staff writer.
