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Are Part-Time Employees Eligible for Health Insurance?

Yes, part-time employees are eligible for health insurance. However, employers aren’t required to provide health insurance to their part-time employees under the Affordable Care Act. Ultimately this means it is up to the employer to decide if they want to offer health insurance to part-time employees. If employers do choose to provide health insurance to these employees, they are required by the Affordable Care Act to cover their health insurance the same as their full-time employees. 

What qualifies as a part-time employee?

A standard full-time employee in the U.S. works about 40 hours a week. The ACA defines a full-time employee as anyone that works 30 hours or more. This means employers must cover anyone that works at least 30 hours.

Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.