Sometimes. Eligibility for employer-sponsored health insurance depends on the plan’s written rules and applicable law. “Part-time” in a job description does not, by itself, settle eligibility.
What employees should ask
- What hours-of-service requirement applies to this plan?
- How are variable or seasonal hours measured?
- Is there a waiting period?
- Are dental, vision, or other benefits offered separately?
- What changes if my hours increase or decrease?
Ask your employer or benefits administrator for the eligibility provisions and your enrollment deadline. Do not assume part-time coverage must be a smaller percentage of a full-time employee’s policy.
What employers should review
Under the Affordable Care Act’s employer shared responsibility rules, full-time generally means an average of at least 30 hours of service per week or 130 hours per month. These rules generally apply to employers averaging at least 50 full-time employees, including full-time equivalents, in the prior year. Details and exceptions affect the calculation.
That threshold is not a universal eligibility rule for every benefit. Review plan terms, insurer requirements, measurement methods, and contribution rules with your benefits and tax advisers before making an offer.
If employer coverage is not available
Ask about individual health insurance and any financial assistance you may qualify for. The availability and affordability of employer coverage can affect Marketplace assistance. Different members of a household may have different options.
Contact our team about existing benefits or explore individual and family coverage.
Helpful reference: IRS: applicable large employers and full-time employees.