Insurance coverage for part-timers

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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 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 I’m Doug Whiteman.