14 Part-Time Jobs That Provide Health Insurance

Being self-employed, I’m sensitive to the health insurance dilemma millions of people have to deal with.

My family is getting our coverage through MediShare, a Christian health sharing ministry. It’s working well for us, and I strongly recommend it. But there are other ways to get health insurance coverage, if you aren’t participating in an employer plan, or you can’t afford coverage on the health insurance exchanges.

This strategy might be a solution if you’re:

  • In between jobs
  • Self-employed
  • Or in early retirement (no employer plan, but too young for Medicare)

It’s well worth investigating if you’re in one of those three career categories. It may seem like a less-than-perfect solution for health insurance, but there actually are people getting coverage this way.

14 Part-time Jobs that Provide Health Insurance

I recently came across a great article (from Personal Finance expert Kevin Mercadante): 20 Part-time Jobs with Health Insurance that served as the inspiration for this piece.

This list is current as of June 2018. But please be sure to double check each benefit offer before applying for a job. Employers are particularly fluid when it comes to offering health insurance to their part-time employees.

Some drop coverage or change the terms, while others add it, and it all happens on a pretty regular basis.

1. Starbucks

I’m starting with this one because it’s the most frequently mentioned among any time the topic involves health insurance for part-timers. Starbucks runs largely with part-time workers, and they’ve been providing them with health insurance for years. They do it through their program called Your Special Blend. It’s a benefits package that not only provides health insurance, but also other benefits, including dental and vision.

To qualify, you must work at least 240 hours in a three consecutive month period. That works out to be at least 20 hours per week. Their website confirms they pay 70% of the premiums for their employees, and also cover 100% of preventative medicine.

One of the advantages of Starbucks as a source of group health insurance is that they’re located in virtually every nook and cranny in the United States. That means there may be a job available close to where you live.

2. UPS

This is another company that frequently appears on lists of part-time jobs that provide health insurance. And since it’s a package delivery company, they have locations across the country. UPS is a company well known for providing full-time benefits for their part-time employees.

For union jobs, which likely takes in the vast majority of delivery personnel, you must work at least 400 hours over three months. That works out to be something like 25 hours per week. That will give you full-time benefits.

If you work between 225 and 400 hours over three months, you’ll be eligible for part-time benefits, which includes health insurance. They don’t give details, but it’s likely to be a stripped-down program. Still, you can qualify by working fewer than 15 hours per week.

UPS may not be your first choice if you’re looking for group health insurance coverage. The work is physically challenging, and you have to be there for a minimum of one year to be eligible.

3. Delta Airlines

This one really surprised me, but in a good way. As one of the largest airlines, they operate out of most commercial airports across the country. If you live close to an airport, this could be a serious option. Not only that, working for an airline brings outstanding travel benefits. Delta is also one of those companies where a job that starts out as part time could go full-time, if that’s a consideration.

Delta provides health insurance coverage to part-time employees and their eligible dependents. They offer three different health insurance plans, depending on where you live. They don’t disclose the specifics of the coverage, so you’ll have to do some serious investigating before accepting a part-time job.

4. Southwest Airlines

Delta isn’t the only airline that offers health insurance for its part-time staff. Southwest does too, so it may be a norm in the airline industry.

Like Delta, Southwest is one of the major airlines, and operates at airports across the country. Their website gives no indication of how many hours you need to work to qualify for health insurance, but they do confirm it’s available. Again, make sure you look into the details before applying for a part-time job if health insurance is the main reason for doing so.

And once again, as an airline employee, you’ll enjoy generous travel benefits.

5. Lowe’s

Lowe’s is another company that has locations all across the country. In addition to the fact that they offer health insurance, this could be a real part-time job opportunity for someone with a background or interest in construction, home remodeling, or any of the trades.

Lowe’s health insurance includes prescription drug, dental and vision coverage. Benefits take effect within 31 days of starting, so this can be a real option if you’re looking for coverage fast. Like other companies on this list, they don’t indicate how many hours you need to work to qualify, so you’ll have to do some digging on that front.

Health insurance for part-timers looks like this:

6. Whole Foods

Whole Foods is another company that frequently makes lists of part-time jobs that provide health insurance. The company has nearly 500 stores across 44 states, so there’s an excellent chance there’s a location near you.

According to their website, you’re eligible for benefits if you work at least 20 hours per week, and have completed an undisclosed probationary period. They don’t indicate the specific type of coverage, but it seems to be dependent on location. You’ll have to do some investigating in the store where you apply.

7. Safeway

Safeway is one of the largest grocery store chains in the country. They operate more than 2,200 stores in 33 states. Their website indicates they offer coverage for part employees, but there’s also some indication that it varies by store location. They may offer the benefit in some states, but not in others. Or it may vary from one store to another. They’re a bit sketchy on the details, so once again you’ll have to do some investigating.

8. Costco

Costco is another company that frequently makes these lists. It’s generally nationwide as well, with more than 500 locations in 44 states. Coverage begins the first day of the second month after you’ve completed 450 eligible hours. You’re then required to average at least 23 hours per week to qualify for health insurance. The coverage includes your spouse, children, parents and even grandparents.

9. Citi Bank

It turns out your friendly neighborhood bank may be a prime source of part-time with health insurance. That includes some of the most prominent banks in the country.

Citi offers coverage for part-timers. You have to work a minimum of 20 hours per week, and you become eligible after 90 days of employment.

The downside is that Citi branches are concentrated in the largest metropolitan areas, so they may not be available in smaller cities. If so, try other banks in your area. It seems to be a common practice.

10. JP Morgan Chase

JP Morgan Chase has a health insurance arrangement for part-timers comparable to Citi. You’re required to work at least 20 hours per week, and there’s also a 90 day waiting period.

Plans are provided by CIGNA and United Healthcare, include dental and vision coverage, and are available for family members.

11. SunTrust Bank

SunTrust is a large regional bank, operating more than 1,400 branches in 11 southeastern states. They don’t indicate how many hours are required to get health insurance, but they do offer it to part-timers. They have different plans, and include prescription drug coverage. And as a bank, they also offer a health savings accounts (HSAs) to cover out-of-pocket expenses.

12. REI

If you’re not familiar with REI, there a company that sells sporting goods, camping gear, travel equipment and clothing. They have 154 retail stores in 36 states across the country. And they do offer part-time jobs that provide health insurance.

Their REI Flex Plan provides health insurance for workers averaging 20 or more hours per week. You can choose between several plans, and coverage extends to your dependents. The website indicates they pay most of the premium cost for the plan.

13. Aetna

Large insurance companies may be well worth a look for part-time jobs that provide health insurance. Aetna is an example. They provide health insurance for part-timers who work at least 20 hours per week. That also includes vision and dental coverage, as well as HSAs.

14. Navy Federal Credit Union

The OutOfYourRut list reports that credit unions are common sources of part-time jobs that provide health insurance. I did some light research to see if that’s true, and it absolutely is. In fact, I hit pay dirt on the first search.

Navy Federal Credit Union is the largest credit union in the country, and yes, they provide health insurance for part-timers. They list comprehensive medical coverage, catastrophic coverage and prescription drug benefits, with a choice of either a PPO or HMO, depending on location.

The website doesn’t give details as to how many hours you need to work, but 20 seems to be the standard among credit unions.

Apart from Navy Federal Credit Union, check with any credit union in your area to see if they have part-time jobs that provide health insurance. There’s an excellent chance they will.

Final Thoughts

If none of these tickle your fancy, you should also look into hospitals, county governments and colleges and universities. They commonly offer part-time jobs that provide health insurance.

In fact, it seems there are more part-time jobs with health insurance than we usually think. Check with any competitors of the companies on this list – banks, credit unions, retailers, airlines and insurance companies.

If one major employer in a field offers coverage for part-timers, there’s probably others.

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