Health insurance benefits according to your job: Are you being treated fairly?

There’s a legal requirement for certain employers to provide their employees with health insurance. There are also cases when this doesn’t happen. Which one is yours?

In the year 2016, the Urban Institute Health Policy Center carried a survey through all US workers. Its goal was to research the portion of employees with employer-sponsored health insurance coverage. The results showed a clear tendency: slightly more than 83% of all workers had access to these plans. But there was a big difference when considering the type of jobs and their amounts of employer-sponsored coverage.

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On one hand, a very high percentage of workers at large firms had this coverage: 94.1%. For this category were considered all companies with 50 full-time-equivalent employees or more. This group had the largest number of employees with employer-sponsored health insurance.

On the other hand, this percentage dropped dramatically when considering workers at smaller businesses. While it’s still more than half of these employees, the fact that there were 62% of them with this coverage showed a big contrast with the former category.

Lastly, the group of part-time workers was the most vulnerable. Part-time employees are considered those who work less than 30 hours per week for the same employer. Less than a third of the total number of them had employer-sponsored coverage; only 24%.

Legally, small firms aren’t required to offer their workers employer-sponsored coverage under the ACA (Affordable Care Act). This would explain the small portion of employees in this field with coverage. Another type of workers that don’t fall into the ACA’s protection is part-time ones, so it’s possible to see another correlation.

Part-time workers can be in a large or small firm, but this doesn’t change the fact that they don’t legally need to be provided with employer-sponsored health insurance. They can choose alternatives like eHealth, a Medi-Share plan, or a health savings account.

If you work part-time and you earn less than $50,000 a year as an individual head of household, you could qualify for APA’s subsidies. These exist to help you financially in the purchasing of individual healthcare plans from private insurers. You can also check these 5 part-time jobs that offer health insurance benefits!

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