The importance of good health is non-negotiable to anyone who has ever been ill before, which is practically everyone. Indian lawyer Mahatma Gandhi remarked that “It is health that is real wealth and not pieces of gold and silver”, so no matter what you do or decide to do for a living, you cannot enjoy your wealth if you are not in good health.
Understanding the importance of protecting your health on the job now brings to fore the issues of health insurance, and since this article discusses 15 part-time jobs with health insurance, it is important to understand certain terms such as “what qualifies as a part-time job?”, “why health insurance?” etc.
Remember that the best gift you can give your family and the world is a healthy you. This article explores the best part-time jobs that provide you with health insurance. Read up!
Introduction
Every year, health spending in the United States of America continues to increase. In fact, according to the CMS’ Office of the Actuary, national health care spending in the United States is expected to grow at an average annual rate of 5.4% for the next 10 years and is even projected to consume 38 percent of GDP by 2075.
You may ask why. This is because health care is important and more so, we need to make it affordable.
Affordability is key in health care, and right now, it isn’t. This implies that for the foreseeable future, as society gets richer, a greater absolute amount, and a greater share of income will be spent on health care.
Affordability?
Affordability in this case asks – can I afford healthcare? can I bear the cost of health care? In most cases, especially for those seeking part-time work, the answer is no.
The point is simple, if the price of health care services is greater than one’s economic resources, then it is not affordable.
We have to be able to live healthy lives while going about our lives, and we have to pay for this someway. This is where insurance comes in.
What is insurance?
Consumer finance defines insurance as “a way to manage your risk. When you buy insurance, you purchase protection against unexpected financial losses.
The insurance company pays you or someone you choose if something bad happens to you.” Health insurance basically handles health risks for you and those covered under your arrangement.
With the rising cost of medical expenses, access to good medical facilities and hospitalization costs can be financially demanding.
Therefore, getting a job that offers health insurance coverage for yourself and your family can provide the added protection you need.
What are part-time jobs?
The Affordable Care Act recognizes those who work for at least 30 hours per week or 130 hours per month as full-time staff. That means anyone who works for fewer hours than this threshold is recognized as part-time.
This means that if at any time, your work hours cross the threshold of 30 hours per week or 130 hours per month, your employer is required to treat you as full staff.
15 part-time jobs with health insurance
#1 – JP Morgan Chase
Offering through its program, medical, dental, and vision coverage, JP Morgan Chase is first on our list of workplaces that offer health insurance for its part-time workers. The part-time worker here are people who work for at least 20 but less than 40 hours a week.
The program stipulates that you can add family members to your plan, but the worker has to have worked for more than 90 days to be eligible for benefits.
#2 – Starbucks
Anywhere in the world you work for Starbucks, and no matter the capacity, as long as you work for at least 20 hours a week, Starbucks offers lots of benefits that include medical, dental and vision coverage, life insurance, disability, and accident coverage.
Starbucks offers bonuses and a 401(k) retirement plan, as well as paid leave, adoption coverage, education tuition coverage, crisis assistance, and free weekly coffee, if that interests you. The program stipulates that the worker must have worked for longer than 240 hours within a 3 consecutive month period to qualify.
#3 – Costco wholesale
As a part-time staff of Costco wholesale, you are eligible for certain benefits, of which health insurance is one of. Their program stipulates that to be eligible for these benefits, you must have worked for the company for at least 180 or 600 hours, after which you begin to enjoy the benefits.
The Costco program doesn’t restrict you just your spouse and children but allows you to include extended family members as well.
#4 – Hospitals
Many hospitals provide health insurance coverage for part-time workers who have to work for a stipulated period of time to benefit from it. The period of time depends on hospital and insurance company policies.
Many hospitals across the US and large local practices offer health insurance to their part-time workers.
#5 – Local governments
Some local and county governments offer certain health coverages to their part-time workers. There are certain requirements that are expected to be fulfilled before a part-time worker starts to enjoy these benefits. Check around you for opportunities.
#6 – Whole foods
Whole foods part-time employees are eligible for benefits if they work at least 20 hours per week and have successfully completed a probationary period of employment. Check out the location you are applying to to make sure that the benefit is actually available.
#7 – REI
REI (Recreational Equipment, Inc.) retailers of high-quality outdoor gear, hire part-time employees in various roles, including customer service specialist and outdoor school instructor. You need to work for 20 hours per week for a year to be eligible for REI’s competitive benefits package for part-time employees under its REI flex plan.
#8 – Trader Joe’s
If you work part-time with Trader Joe’s, you become part of their crew and eligible for 10% employee discounts on their store goods. You can also get a retirement plan to which they will contribute 10% of your annual salary. They also offer low-cost insurance plans for medical, vision, and dental coverage.
#9 – Aerotek
Aerotek is an international temporary agency that offers medical benefits to its contract workers who work at least 20 hours per week. Medical benefits include dental and vision coverage, extending to spouses and dependent children. Benefit coverage begins on the first of the month following or coinciding with your date of hire.
#10 – Citi bank
As a bank with branches all over America, Citi bank has offered health insurance to part-time workers for a long time. They still do so. Like other banks, you need to have worked for at 20 hours a week and will only be eligible for benefits after 90 days.
#11 – Staples
If you work for Staples for at least 15 hours a week, you become eligible for their part-time benefits. They offer their part-time associates several benefits that include a 401(k) plan, short-term disability insurance coverage, and a fixed benefit health insurance plan. You can also have a flexible dental and vision coverage plan, life insurance, and an accidental death and dismemberment insurance plan.
#12 – Macy’s
At Macy’s, you can work in different capacities as a part-time worker, and if you work for up to 20 hours per week, you will get employee discounts to shop at the store. They will also give you any necessary on-the-job training, and you will have plenty of career growth opportunities. As a part-time worker, you will also get health benefits and retirement benefits.
#13 – Universities
Many universities offer health insurance as well as some flexible dental and vison coverage for their part-time staff. A search in most universities reveals that they do offer these benefits as well as some others. To be eligible, in most cases, they require that your work with them be a stable one.
#14 – American Red Cross
At the American Red Cross, part-time workers who are on the job at least 20 hours a week are eligible for health benefits. New hires must enroll for medical insurance within 31 days of their hire and can select from four different plans that come with varying levels of coverage and costs.
#15 – UPS
Unionized workers at UPS may be eligible for health insurance so long as they work at least 225 hours during a three-month period. The company’s workers, such as delivery truck drivers and package handlers, receive coverage through TeamstersCare. Benefits cover medical care, behavioral health services, dental care, and more.
Conclusion
Insurance helps you to not worry about a medical condition putting a strain on your finances. It is best to ensure that while you do your part-time job, you are protected in some way from eventualities that could leave you financially handicapped.
While there are many other jobs that offer health insurance, it will do you a lot of good if you can find yourself doing one of these 15 part-time jobs with health insurance.
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