ACA: Understanding Part-Time Work and Health Insurance Coverage
The Affordable Care Act (ACA) protects individuals and families from being denied health insurance based on pre-existing conditions while providing financial assistance to those in lower income brackets. The law also expanded Medicaid, making it available to adults with incomes up to 138% of the federal poverty level in states that have opted to expand Medicaid.
What Are Your Options if You’re not Insured?
If you do not have access to employer-sponsored health insurance and do not qualify for Medicaid or CHIP (Children’s Health Insurance Program), you can purchase health insurance through the Health Insurance Marketplace. The Marketplace is a government-run website where eligible individuals and families can shop for and compare health plans from private insurance companies.
What if you cannot afford health insurance?
If you cannot afford to purchase health insurance through the Marketplace, you may qualify for a premium tax credit. These credits are available to individuals and families with incomes between 138% and 400% of the federal poverty level.
What is the Impact of Part-Time work on Health Insurance?
Working part-time can affect your eligibility for health insurance coverage. Under the ACA, part-time employees are eligible for health coverage through their employer only if they work an average of at least 30 hours per week. If you work less than 30 hours per week, you will not be able to receive health insurance coverage through your employer.
What if I work multiple part-time Jobs?
If you work multiple part-time jobs, your combined hours from all jobs will be counted towards determining your eligibility for employer-sponsored health insurance. If you work total of 30 hours or more per week, you should be eligible for health insurance through your employer.
What are my other options?
If you are not eligible for employer-sponsored health insurance and do not qualify for Medicaid or CHIP, you can purchase health insurance through the Health Insurance Marketplace. You may also be eligible for a premium tax credit if you cannot afford to purchase health insurance.
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