10 Greatest Half-Time Jobs With Well being Insurance coverage Advantages


Based on 2020 information collected by the Kaiser Household Basis, 96.7% of huge corporations — these with 50 full-time equal workers or extra — supply medical health insurance to their workers. Simply 31% of corporations with fewer than 50 full-time workers provided medical health insurance advantages to workers.

What accounts for the discrepancy? It’s largely as a result of small companies aren’t required to offer employer-sponsored well being protection underneath the Affected person Safety & Inexpensive Care Act (PPACA), popularly referred to as the Inexpensive Care Act or Obamacare.

In the meantime, even amongst bigger employers that do supply medical health insurance advantages to full-time workers, part-time workers get quick shrift. Based on Bureau of Labor Statistics information from early 2021, simply 23% of part-time employees in civilian occupations (together with non-public trade and state and native authorities) had entry to employer-sponsored medical health insurance protection.

Corporations Providing Well being Insurance coverage Advantages to Half-Time Staff

To make issues worse, some firms have scaled again or eradicated advantages packages for part-time employees lately.


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Goal, Walmart, Dealer Joe’s, Complete Meals, and Residence Depot have all discontinued well being or retirement plans (or each) for part-time employees lately. They’ve raised the brink for well being protection eligibility to 30 hours per week and retirement advantages eligibility to 40 hours per week. 

For well being, dental, and imaginative and prescient protection, employees who don’t work 30 hours per week should flip to state or federal insurance coverage exchanges.

Happily, some firms nonetheless supply well being advantages and different perks, resembling dental protection and 401(okay) plans, to workers who work part-time jobs (lower than 30 hours per week).

Listed below are a few of the largest, most geographically numerous firms that supply medical health insurance and different advantages to part-time employees.

1. Allegis Group

Allegis Group Logo

Previously referred to as Aerotek, Maryland-based Allegis Group is a staffing agency that employs roughly 10,000 full-time workers and nearly 100,000 contractors and temp employees.

The corporate does enterprise via a number of subsidiaries, together with one which bears the Aerotek title, and its advantages apply to all temp and contract workers who work a minimum of 20 hours per week.

Well being Plan

In case you’re a qualifying Allegis Group worker, you’re eligible for medical, dental, and imaginative and prescient protection paid for via paycheck contributions. Eligibility begins on the primary day of the month following your rent date. 

Based on worker experiences, the plan accessible to part-timers qualifies as a excessive deductible well being plan (HDHP). Allegis covers a portion of this plan’s premiums, though specifics aren’t publicly accessible. When you've got dependents, they might be eligible for unsubsidized household protection.

Allegis affords a well being financial savings account (HSA) to enrich this plan. The corporate makes matching contributions to this HSA at its discretion.

In case you’re a brand new contract employee or temp worker, you could apply for advantages inside 30 days of your rent date. In any other case, you need to wait till the subsequent open enrollment interval.

Different Advantages

Allegis Group additionally affords a 401(okay) plan that features an worker match. The match is 100% of the primary $500 in worker contributions and 50% of the subsequent $500, for a complete attainable employer match of as much as $750 per yr. 

These figures are topic to vary, so examine again recurrently or go on to Allegis’s web site for up-to-date data. Advantages could fluctuate by subsidiary as effectively.

Allegis additionally offers an annual profit-sharing bonus on the managers’ discretion to inner (not contract) part-time employees at its subsidiaries. Eligible workers could obtain a part of the profit-sharing bonus as a 401(okay) deposit that’s separate from the annual employer match.

Different advantages for part- and full-time workers embrace life and incapacity insurance coverage, a 529 school financial savings plan, tuition reimbursement, and paid sick go away and trip time. These advantages are instantly accessible to new hires, though trip and sick go away accrue in line with a time-served schedule.


2. Costco

Costco Logo

Seattle-based Costco is the nation’s second-largest large field retailer. It has greater than 700 warehouse shops and effectively over 100,000 workers. With a beginning wage of $17 per hour, in line with CNN, the corporate’s compensation is kind of beneficiant for a significant retailer.

Its pay scale is flatter too — the CEO made about $1 million in money compensation and $8.8 million whole in 2021, in line with ExecPay, in contrast with about $26 million for Walmart’s CEO in 2021.

And with the overwhelming majority of Costco workers taking part in a well being or retirement plan, its advantages are fairly common, though all are topic to vary or discontinuation at Costco’s discretion.

Well being Plan

Any Costco worker who works greater than 23 hours per week and logs 180 days of service is eligible for a complete medical health insurance plan administered by Aetna.

Half-timers even have entry to a low-cost dental plan, which covers preventative visits and a few prices of primary procedures, in addition to primary imaginative and prescient protection.

As a result of all Costco areas have a pharmacy, part-time workers take pleasure in an in-house prescription plan with low copays for generic medication and branded drugs — usually lower than 20%. This profit is separate from the primary medical health insurance plan.

Payroll deductions for well being and dental plans can be found in Costco’s Price Advantages Booklet, which is simply accessible to Costco workers.

Different Advantages

Half-time workers can entry Costco’s 401(okay) plan, which features a most firm match of the lesser of $500 or 50% of whole wage deferral contributions yearly.

An non-obligatory versatile spending account (FSA) lets workers use pretax earnings to pay for day care and different coated dependent care companies.

Plus, Costco’s Care Community offers free psychological well being counseling and affords referrals to debt counselors and attorneys. These third-party service suppliers could cost charges for his or her companies.

Different Costco advantages embrace a direct inventory buy plan, incapacity and life insurance coverage, and long-term care insurance coverage. All of those advantages can be found to part-time employees who log 180 days of service and work greater than 23 hours per week, however they’re topic to vary at Costco’s sole discretion.


3. Lowe’s Residence Enchancment

Lowes Logo

Charlotte-based Lowe’s, one of many world’s largest house enchancment shops, has greater than 250,000 workers unfold throughout almost 2,000 areas within the U.S. and overseas.

In contrast to Residence Depot, its important rival, Lowe’s extends medical health insurance advantages to all nonseasonal part-time workers. And Lowe’s is unusually clear about its worker advantages, making detailed details about medical, dental, imaginative and prescient, and different advantages accessible to most people via BenefitsPricing, a third-party web site.

Well being Plan

After hitting 89 days of consecutive service, you’ll take pleasure in entry to an excellent well being plan as a part-time worker. The plan covers 100% of the price of all preventive care and as much as six main care visits per yr.

Different protection particulars fluctuate by state, so examine BenefitsPricing for particulars about what’s accessible in your space.

And keep in mind that whereas there’s no minimal hours-worked threshold to qualify, you could apply inside 31 days of rent or wait till the next open enrollment interval.

Different Advantages

You can even enroll in life insurance coverage and short-term incapacity plans as a Lowe’s part-timer.

The corporate’s different advantages embrace:

  • A direct inventory buy plan after one month of service that entitles you to buy Lowe’s shares at a 15% low cost
  • A 401(okay) plan after one month of service with an organization match as much as 4.25% on contributions of 6% or better and 100% vesting instantly
  • A number of sorts of insurance coverage protection, together with time period life and short-term incapacity
  • Primary imaginative and prescient and dental insurance coverage protection

4. Starbucks

Starbucks Logo

Seattle-based Starbucks has tens of hundreds of shops and employs a whole bunch of hundreds employees globally. Even when you’re not a espresso fan, it’s very possible that you simply encounter a number of Starbucks areas in your day by day or weekly routine.

Most Starbucks workers are part-time. The espresso firm has a status for treating its employees effectively — the common hourly wage exceeds $13.50 per hour for baristas and $16 per hour for supervisors. These figures are a lot increased in pricier labor markets.

Starbucks was additionally one of many first meals service chains to supply a complete worker advantages bundle: the Starbucks Particular Mix. Bucking the development amongst different lower-wage employers, these advantages have really improved over time on account of labor shortages and a union drive by Starbucks workers.

Well being Plan

Staff who work greater than 20 hours per week or 240 hours per quarter are eligible to enroll in Starbucks’ advantages program.

The Particular Mix’s well being protection portion contains varied medical plans, from bare-bones high-deductible well being plans to a beneficiant Platinum plan with low out-of-pocket maximums and no coinsurance or deductible.

Three non-obligatory dental plans that cowl preventive visits and a few or most procedural prices (relying on plan tier) are additionally accessible, as are three imaginative and prescient plans with various ranges of protection.

Different Advantages

The Starbucks Particular Mix is certainly complete. Its nonmedical advantages embrace:

  • Quick-term incapacity and unintended demise and dismemberment (AD&D) insurance coverage plans
  • Worker help applications that embrace low-cost counseling
  • A dependent care reimbursement account (dependent care FSA)
  • Adoption help
  • Faculty financial savings plans
  • A 401(okay) plan that features an employer match of as much as 6% of whole worker contributions

5. UPS

Ups Logo

Atlanta-based UPS is among the many world’s largest logistics corporations, with about 430,000 workers globally. Its drivers earn good cash — averaging upwards of $22 per hour, in line with Certainly.

And people prepared to work nights and holidays, particularly throughout the mad rush between Black Friday and New Yr’s, can actually rack up additional time pay.

Most of UPS’s U.S. hourly workers, together with warehouse and supply employees, function underneath collective bargaining agreements which have produced engaging advantages packages.

As a part of the Teamsters union, hourly UPS employees who log a minimum of 225 hours in any three-month eligibility dedication interval (about 19 hours per week) are eligible for a similar TeamstersCare advantages usually prolonged to full-time Teamsters members.

In case you hit 400 hours in any three-month eligibility dedication interval, you qualify for full-time advantages, that are much more beneficiant than these accessible to part-timers.

Well being Plan

All TeamstersCare-eligible UPS part-time workers can select primary well being plans that cowl preventive medical and dental companies. These plans embrace a low copay for generic prescribed drugs and coinsurance for dearer procedures. A primary imaginative and prescient plan can be included.

Underneath the phrases of UPS’s present collective bargaining settlement, which is topic to vary, part-time employees pay nothing out-of-pocket for these advantages, setting UPS aside from most different firms offering part-time advantages. Most firms require workers to contribute a portion of their pay to the well being plans.

Relying on their position, employees could also be eligible for union-administered plans sponsored by UPS contributions. These plans are topic to vary at UPS’s discretion and with alterations to collective bargaining preparations, so examine with UPS administration earlier than making use of.

Different Advantages

UPS employees take pleasure in a slew of different advantages at little or no out-of-pocket price: life, incapacity, and demise and dismemberment insurance coverage; adoption help; and tobacco cessation help. Dependent spouses and youngsters qualify for a few of these advantages as effectively.

UPS additionally affords supplemental life insurance coverage; private traces insurance coverage (auto and residential traces); authorized help; and well being financial savings accounts for employees and dependent spouses, kids, and elders. These merchandise all require employee-paid premiums.

Lastly, as a result of almost half of its part-time workers take school programs, UPS affords tuition help of as much as $5,250 per yr, with a $25,000 lifetime cap, via the Earn and Be taught Program. New workers are instantly eligible for this profit.


6. REI

Rei Logo

With 15,000 workers at simply over 150 retail shops, Seattle-based REI is routinely cited as one of many nation’s finest retailers to work for. It’s nonetheless structured as a co-op, though not each worker has an possession stake, and high-level choices are made by a standard board of administrators.

The common REI customer support affiliate earns about $15 per hour, in line with Certainly. The common stocking affiliate clears about $22 per hour. The corporate has an unusually flat pay scale as effectively, with the CEO taking house about $825,000 in base compensation and about $3.2 million whole in 2019, in line with REI’s govt compensation report.

REI as soon as provided advantages to all workers, together with these working just some hours per week. Though it discontinued this observe within the mid-2010s, REI nonetheless extends full-time advantages to all workers working a minimum of 20 hours per week. You need to common 20 hours per week over the course of a 12-month interval.

In case you common fewer than 20 hours per week, you possibly can nonetheless get “instruments” to assist navigate the person medical health insurance market — though it’s not clear precisely what which means.

Well being Plan

In case you’re a nonexempt REI worker who averages a minimum of 20 hours per week, you've got entry to all the corporate’s medical health insurance plan choices. REI shoulders many of the premium burden for medical and dental protection, however the precise share will depend on the plan chosen — there are a number of. 

Precise premium prices aren’t publicly accessible for any plan. Imaginative and prescient protection is much less beneficiant throughout the board.

Different Advantages

REI additionally affords primary life insurance coverage, incapacity insurance coverage, and 401(okay) plans which might be instantly accessible to part-timers who work 20 hours per week. It shoulders the total price of life and incapacity insurance coverage.

The retirement plan features a dollar-for-dollar firm match, as much as 5% of whole revenue, with the potential for a profit-sharing 401(okay) deposit equal to 10% of your whole revenue. This profit-sharing portion will depend on the corporate’s profitability throughout the earlier yr.

As a part-timer, it's also possible to apply for medical or private leaves of absence, that are authorised on a case-by-case foundation. And no matter how a lot you're employed, you’re entitled to beneficiant reductions on REI services, together with 30% off journeys taken with REI Adventures.


7. Staples

Staples Logo

A brick-and-mortar retailer that also affords stable advantages to part-time associates in its shops and warehouses? Imagine it or not, that’s Staples, the workplace provide big that maintains a community of stores to enrich its rising e-commerce engine.

Boston-based Staples offers medical health insurance protection and a slew of different advantages to hourly and full-time workers, together with store-based associates and company campus employees.

Nonetheless, Staples holds hourly employees to a strict definition of “part-time” for its medical health insurance plan: working a median of 30 hours or extra per week throughout the plan’s measurement interval.

Well being Plan

For part-timers who qualify for Staples’ well being plan, the advantages are fairly engaging: full protection for in-network preventive care, comparatively low deductibles and out-of-pocket maximums, and cheap coinsurance for companies not coated in full (the worker pays 20% of service prices).

Non-obligatory imaginative and prescient and dental protection can be found. Staples doesn’t publicly reveal premiums for well being, imaginative and prescient, or dental protection, nevertheless.

Different Advantages

Half-time Staples workers qualify for a number of extra advantages:

  • A 401(okay) plan with an organization match of fifty% on the primary 6% of eligible contributions
  • Incapacity insurance coverage
  • Life insurance coverage
  • Unintended demise and dismemberment insurance coverage (AD&D)
  • Pet medical health insurance
  • Retail reductions — 10% off all purchases on-line or in-store and a further 10% off branded Staples merchandise

8. U-Haul

Uhaul Logo

Because the nation’s largest self-serve transferring agency, Phoenix-based U-Haul has greater than 20,000 workers and tens of hundreds of vehicles, trailers, and storage models. With a work-from-home customer support workforce and many seasonal warehousing and gross sales positions, the corporate’s workforce is versatile.

Half-time customer support roles common round $14 per hour, with administration incomes just a few {dollars} extra, in line with Certainly. And most part-timers are eligible for worker advantages.

Well being Plan

U-Haul affords a restricted medical and dental plan that includes a medical reimbursement plan. This plan covers the price of particular medical companies for part-timers and short-term employees — which U-Haul calls Moonlighters — as much as an outlined profit quantity that’s not publicly disclosed. Full-time workers are eligible for extra beneficiant medical plans that do meet the ACA’s minimal necessities.

In case you anticipate to require a major quantity of medical care throughout the yr, take into account making use of for supplemental medical insurance coverage. In any other case, you can exhaust your profit quantity shortly. 

As a part-time or short-term U-Haul worker, you’re additionally eligible for primary dental and imaginative and prescient protection with 100% protection for preventive visits and exams. When you meet the annual deductible, dental copays are cheap — 20% for primary companies and 50% for main companies.

Different Advantages

After a yr of service as a part-timer, you’re eligible for a direct inventory buy plan that’s 100% vested after six years. You’re eligible for the corporate’s 401(okay) plan after 30 days of service with a default contribution of three% of gross pay, though there’s no firm match.

Further perks embrace non-obligatory insurance coverage protection (together with auto and owners insurance coverage), reductions on U-Haul gear, and entry to an organization credit score union.


9. JPMorgan Chase

Jpmorgan Chase Logo

JPMorgan Chase & Co is a blue-chip monetary establishment with a storied historical past and a status that’s alternately buttoned-up and high-flying.

Its services are too numerous to call right here, however probably the most recognizable bits of its enterprise embrace shopper and enterprise financial institution accounts, non-public wealth administration companies, and a number of common cash-back bank cards and small-business bank cards.

Chase may not look like your best option for a part-time summer time job or facet hustle, nevertheless it really treats part-time workers fairly generously. After 60 days of employment, these logging greater than 20 hours per week are eligible for a beneficiant advantages bundle.

Well being Plan

Chase workers can select from one in all two medical protection choices, each of which qualify as “consumer-driven well being choices” with a medical reimbursement account (MRA) that helps workers pay for sure medical prices not coated by the plan itself.

Most plans cowl 100% of the price of in-network preventive care, with no exclusions for preexisting situations, and partner and home companion care. In all instances, Chase shoulders some premium prices, though it doesn’t make particulars of this association public.

Typically, veteran workers and people with increased positions of duty inside the firm take pleasure in extra beneficiant cost-sharing preparations.

Chase additionally helps three dental plan choices with related cost-sharing preparations: most popular dentist program (PDP), dental upkeep group (DMO)/dental well being upkeep group (DMHO), or a standard indemnity dental possibility.

A separate well being spending account possibility, with variable employer contribution, is accessible as effectively.

Different Advantages

Chase affords a slew of extra advantages for 20-hour-plus workers: 

  • Versatile spending accounts, together with accounts earmarked particularly for transportation and elder care
  • Lengthy-term incapacity insurance coverage paid in full by Chase for workers incomes underneath $60,000 per yr, which possible embrace most part-timers and partially paid by Chase for higher-compensated workers
  • Life insurance coverage
  • AD&D insurance coverage
  • Private legal responsibility insurance coverage
  • Discounted worker inventory buy program
  • 401(okay) plans with variable however beneficiant employer contributions

10. Chipotle Mexican Grill

Chipotle Logo

Followers of fast-casual fare possible want no introduction to Chipotle Mexican Grill, a Denver-based quick-serve restaurant chain with hundreds of areas and tens of hundreds of workers in North America. Many Chipotle workers work part-time.

What’s extra shocking, given the restaurant trade’s razor-thin margins and excessive worker turnover, is Chipotle’s obvious dedication to its part-time employees. Chipotle can be admirably clear about its advantages bundle for part-timers, which the corporate refers to as crew members.

Well being Plan

Most Chipotle crew members can select from one in all two medical protection choices; California-based workers could have extra choices.

The Anthem Preventive Plus possibility has decrease premiums however skimpier protection, whereas the Anthem Hourly PPO has increased premiums and extra beneficiant advantages. Chipotle doesn’t make the particular particulars of both plan accessible to most people, nevertheless.

Chipotle additionally affords non-obligatory dental and imaginative and prescient protection for hourly part-timers. Specifics for these plans aren’t publicly accessible both.

Different Advantages

Chipotle affords a number of extra advantages, starting from free meals on each shift to free entry to emotional counseling and well being care advocates.

After a yr of uninterrupted service, workers qualify for a further slate of advantages:

  • 40 hours of paid trip time and 24 hours of paid sick time per yr
  • As much as $5,250 in tuition reimbursement
  • An organization match in a Chipotle 401(okay) account
  • An worker inventory buy plan
  • Health club reductions
  • Reductions with retail companions like AT&T and Verizon

Last Phrase

Whereas some firms have scaled again advantages for part-time workers, it’s nonetheless attainable to search out larger employers providing stable advantages packages to part-time employees. In case you’re not discovering open positions at any of the employers on this record, you may need luck with native or regional firms identified for treating their workers effectively.

It’s true that these advantages may not be as strong as these provided to full-time employees, and so they could have restrictions or limits on protection. However employer-sponsored group medical health insurance plans nonetheless are typically extra reasonably priced than plans bought on the non-public market, particularly when firms assist subsidize the associated fee.

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