Does Obama Care cover part-time employees?
Sarah Garza
Updated on April 02, 2026
Some laws require employers to offer certain benefits to part-time employees, yes. The Affordable Care Act (ACA) requires employers to offer health insurance to employees working at least 30 hours per week (or 130 hours per month) to avoid paying penalties. See Identifying Full-time Employees.
Can you offer insurance to part-time employees?
Yes, part-time employees are eligible for health insurance, if the employer chooses to offer it to them. However, federal law does not require employers to offer health insurance to part-time employees.
How many hours do you have to work to get Obamacare?
30 hours a
The Affordable Care Act and the IRS define a full-time employee as one who works at least 30 hours a week or 130 hours a month on average. Employees who will be working full-time should be offered benefits based on the company’s Waiting Period.
How much can you make and still get Obamacare?
Qualifying for the Credit For example, if you’re single and have no more than $48,560 in income in 2019, you’ll qualify for a health care credit. A family of four can earn as much as $100,400 and qualify.
How do I get health insurance if I work part-time?
Health insurance if you work part-time If you work part-time and can’t get job-based health insurance, you can buy health insurance in the Health Insurance Marketplace®. You may qualify for savings based on your income.
How does Obamacare work for job based health insurance?
Step 3—Determine Your Costs for Obamacare and Job-Based Health Insurance. Job-based health insurance is usually subsidized by your employer. Your employer pays part of the monthly cost of your health insurance, and you pay part.
Can you get health insurance if you work part time?
If you work part-time and can’t get job-based health insurance, you can buy health insurance in the Health Insurance Marketplace®. You may qualify for savings based on your income. If your employer doesn’t offer health insurance to part-time employees
Are there health insurance subsidies for part time workers?
Many part-time workers do receive subsidies under the Affordable Care Act, making it more affordable to purchase individual health care plans from private insurers through state-run or federal exchanges.
When do I drop Obamacare when I get employer health insurance?
If you get a job that offers health insurance you’ll want to drop your ObamaCare cost assistance and most likely want to switch to the employer plan. This is because people with access to affordable employer based health insurance don’t qualify for cost assistance like tax credits.