New Laws People with coverage through a job

Health coverage if you work part-time

If you’re a part-time worker without job-based coverage, you may be able to buy health insurance in the Marketplace and get lower costs based on your income.

If your employer doesn’t offer health insurance to part-timers

Employers aren’t required to provide health insurance for part-time employees, even if they provide coverage for full-time employees.

If you’re a part-time worker and your employer doesn’t offer you coverage, you can use the Health Insurance Marketplace to find a plan. You may be able to get lower costs on your monthly premiums and out-of-pocket costs based on your household size and income.

You may also qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

You’ll learn if you qualify for these options when you fill out your Marketplace application.

Most Americans must have minimum essential coverage or pay a penalty. This is true no matter what your job status is.

If your employer does offer coverage to part-timers

If you’re offered coverage by your employer, you may buy insurance through the Marketplace instead. But you may not be able to get premium tax credits and other savings based on your income.

You’ll be eligible for savings only if the coverage your employer offers isn’t considered affordable or doesn’t meet certain minimum standards. Learn how to determine if your job-based insurance meets these standards.

Common questions

No. It’s against the law for your employer to fire or retaliate against you if you get a premium tax credit when you buy a health plan in the Marketplace.
It’s also against the law for your employer to fire or retaliate against you if you report certain violations of the Affordable Care Act to your employer or the government.
Learn more about protection against employer retaliation.

Ready to obtain the right health insurance? Check your eligibility for free or low cost health insurance through the marketplace in 4 simple steps...