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Affordable Health Insurance for Part-Time Employees
Approximately 19 million Americans over the age of 25 work part-time, under 35 hours a week, according to the U.S. Bureau of Labor Statistics. Since many employers don’t offer insurance to part-time workers, they can have a difficult time getting health coverage.
Faced with the prospect of being without health care, many adults will go to desperate lengths, even hurrying to the altar. According to the Kaiser Family Foundation, 7% of the adults who were married in 2007 exchanged vows just so one of them could get the other’s insurance benefits.
But if you’re working part-time and hoping to stay independent, you do have other options – such as the following:
Request a quote to see how you can save on health insurance solutions for part-time workers!
COBRA as an Option for Part-time Employees
If you’ve been laid off from a full-time position, the law mandates that you can continue your benefits from your former job under COBRA. Your employer can help you go through the paperwork and sign up.
The drawbacks to COBRA coverage are often the high premiums – even with funding from the Federal stimulus package, these costs might seem prohibitive. Yet the benefit is this gives you a short-term (18 month) bridge to look for better options.
Additionally, COBRA may be the only option if you’re having trouble getting private insurance from pre-existing health conditions.
Affordable Private Coverage for Part-time Employees
Once your COBRA coverage ends – or if you want a less prohibitively expensive plan – you might opt to look for an HMO, PPO or other private plan on your own. These may cost much less.
For example, if you're looking to save money on your health insurance coverage, then you might look into the following types of plans:
- HMO Plans
- PPO Plans
- Point of Service Plans
- High Deductible Health Insurance Plans
- Self Directed Health Insurance Plans
- Fee for Service Health Plans
Other Options for Part-timers
Another option for coverage is to look into group plans. Some employers may let their part-time employees buy into the company plan at a higher premium than full-time employees pay.
Or, you could look into industry associations that are related to your profession or career. For a small membership fee to join the organization, some will help you get access to group insurance plans offered through the association. This is often a useful alternative for part-time employees or even self-employed workers. Some of these plans will help you get covered even if you have pre-existing conditions that make it difficult to get a private, individual insurance plan.
Request a quote to see how you can save on health insurance solutions as a part-time employee!
Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
