People with coverage through a job

Health coverage if you work part-time

If you’re a part-time worker without job-based coverage, you may be able to buy health insurance in the Marketplace and get lower costs based on your income.

If your employer doesn’t offer health insurance to part-timers

Employers aren’t required to provide health insurance for part-time employees, even if they provide coverage for full-time employees.

If you’re a part-time worker and your employer doesn’t offer you coverage, you can use the Health Insurance Marketplace to find a plan. You may be able to get lower costs on your monthly premiums and out-of-pocket costs based on your household size and income.

You may also qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

You’ll learn if you qualify for these options when you fill out your Marketplace application.

Most Americans must have minimum essential coverage or pay a penalty. This is true no matter what your job status is.

If your employer does offer coverage to part-timers

If you’re offered coverage by your employer, you may buy insurance through the Marketplace instead. But you may not be able to get premium tax credits and other savings based on your income.

You’ll be eligible for savings only if the coverage your employer offers isn’t considered affordable or doesn’t meet certain minimum standards. Learn how to determine if your job-based insurance meets these standards.

More answers

What if I work part-time and my spouse has insurance through a job?

It depends on whether the coverage is offered to spouses and dependents.

  • If your spouse’s job-based coverage isn’t offered to spouses or dependents: You may buy health insurance through the Marketplace. You may be able to get lower costs on your monthly premiums and out-of-pocket costs. This will depend on your household size and income.
  • If your spouse’s job-based coverage is offered to spouses or other family members but you don’t enroll in it: You may not qualify for lower costs. It will depend on whether the job-based coverage you’re offered is considered affordable and meets certain minimum standards.

Learn how to determine if the employer’s coverage is affordable and meets minimum standards.