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 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.

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 would be eligible for lower costs only if the coverage your employer offers isn’t considered affordable to you or doesn’t meet certain minimum standards.

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)