- The Marketplace & You
What if I’m a part-time employee without health coverage?
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.
Important. Marketplace Open Enrollment ended March 31. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid and CHIP any time. Learn about special enrollment periods and other coverage options after Open Enrollment. Open Enrollment for 2015 coverage starts November 15, 2014.
If your employer doesn’t offer health insurance to part-timers
If you’re a part-time worker and your employer doesn’t offer you health insurance, 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’ll learn if you qualify for these options when you fill out your Marketplace application.
If your employer does offer coverage to part-timers
If you’re offered coverage through an employer, you may buy insurance through the Marketplace instead. But in most cases you won’t be able to get lower costs based on your income.
You can find out if your employer’s coverage is affordable and meets minimum standards by completing an Employer Coverage Tool.
Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)
More Answers: Part-timers
If my employer provides health insurance to full-time employees does it have to cover part-timers?
No. Employer coverage of part-timers is optional.
What if my spouse has insurance through an employer?
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 based on your household size and income.
If your spouse’s job-based coverage is offered to spouses 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.
You can find out if the employer’s coverage is affordable and meets minimum standards by completing an Employer Coverage Tool.