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Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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Editor’s note: This is a transcript of the audio file.
A part-time job obviously means fewer hours and a smaller paycheck than a full-time position. It usually means fewer benefits, too — though sometimes you can still get health insurance coverage from your employer. I’m Doug Whiteman with your Bankrate.com Personal Finance Minute.
Many employers do offer health insurance to part-time employees. A survey from the Kaiser Family Foundation found that these are typically large companies, with at least 200 workers.
In many cases, you’ll have to work at least 20 hours a week to qualify for health benefits, though the minimum varies by employer. Some consider 30-hour-a-week employees to be the same as full time. You may not be eligible until you’ve been on the job for a certain length of time, such as 180 days, or have racked up a certain number of hours.
And, you may have to pay more than a full-time employee for your benefits. Experts say that companies often contribute less to the monthly premium for part-time workers.
But even at a higher price, a part-timer can likely expect coverage similar to what full timers get.
For more about being insured at work, visit Bankrate.com. I’m Doug Whiteman.
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