The open enrollment period for the Affordable Care Act is winding down. With President-elect Trump just weeks away from stepping into office, people are worried about what will happen to the policies they purchased through the health insurance marketplace.
For young graduates and those who purchase their own insurance, there’s plenty of uncertainty.
During this period, you can rest easier knowing that there are many retailers and companies that offer health insurance for part-time workers. While it may not be a long-term solution, working part-time can help get you coverage while the government identifies a plan for the future.
Below, learn about seven companies who provide health insurance for part-time workers.
Bulk discount store Costco offers some of the most competitive benefits to its full- and part-time employees. Not only do they offer coverage to their workers, but they will also cover spouses, partners, and children.
Hourly employees are eligible for coverage after working 600 hours or 180 days, whichever comes first. The coverage plans include medical, dental, vision, prescription medications, hearing aids, and behavioral health benefits.
And because most Costco stores have their own vision centers and pharmacies, workers can take advantage of the store’s savings. Employees can access inexpensive eye exams, glasses or contacts, and prescription medications (some for as little as $3!).
As the nation’s second-largest home improvement store, Lowe’s is committed to its employees. They offer full benefits to part-time associates, including preventative medical coverage, a pharmacy discount card, vision and dental care, life insurance, 401(k) plan, and an employee stock purchase plan.
Unlike other companies, part-time workers at Lowe’s are eligible to enroll on their date of hire. New workers have 31 days to enroll as part of a special enrollment period.
3. Caribou Coffee
Niche coffee company Caribou Coffee offers benefits to part-time workers normally only associated with full-time employment.
The company does require part-time employees to work at least 20 hours a week to be eligible, but for workers who meet that requirement, Caribou Coffee offers medical, vision, and dental coverage. They also offer a 401(k) and paid time off.
Outdoor and camping retailer REI says that rewarding employees with a complete rewards package made up of a competitive base pay, incentives, benefits, and other perks is a core part of its philosophy.
That’s why both full- and part-time employees are eligible not only for their annual incentivized bonus plan, but also for health, life, and disability plans.
To qualify, part-time employees must average at least 20 hours a week. Once eligible, they can choose from a range of medical plans for themselves and their dependents.
REI covers the majority of the premiums, and employees can opt for additional services like vision care or long-term care coverage for an additional fee.
Starbucks calls their benefits package their “Special Blend.” Part-time employees working at least 20 hours a week can get health coverage, including medical, dental, and vision. Benefits also include life insurance, disability coverage, and tuition reimbursement.
To be eligible, part-time employees must work at least 240 hours over the course of three consecutive months (that breaks down to 20 hours a week). Once you’ve completed that period, you are eligible for benefits on the first day of the second month afterward.
For example, if you were hired on May 2, you would need to complete your 240 hours during June, July, and August. If you met the requirement, you’d select your benefit plan in September, and your coverage would begin on October 1.
UPS boasts full-time quality benefits for its part-time employees. Hourly employees get access to comprehensive benefits, including medical and dental coverage, tuition assistance, and more.
However, to be eligible for the full range of benefits, some part-time employees may have to work for a full twelve months.
UPS also offers a unique Earn & Learn program, where part-time employees can pursue a degree while earning a tuition stipend of more than $5,000 a year (maxing out at $25,000). Eligibility begins the day you are hired.
7. Whole Foods
If you love shopping at Whole Foods, you might also love working there — they offer amazing benefits to their employees, including health insurance and a health savings account for part-time workers.
Part-time employees who work over 20 hours a week and complete their probation period are eligible for Whole Foods Market benefits. Plus, as a Whole Foods employee, you and your spouse or partner get a 20 percent store discount.
The retailer also holds a company-wide benefits vote, where employees get a chance to weigh in on the perks that are most important to them.
Health insurance for part-time workers
If you’re worried about your health insurance access or rising premium costs, getting a part-time job with a retailer that offers coverage to its workers may be a good option for you.
Not only will you get much-needed medical coverage, but you’ll also earn extra income to help build up your savings or pay down debt faster.
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