I Work 30 Hours a Week, Am I Full-time for Health Insurance Purposes?
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I work 30 hours a week for my large employer. When I took the job 10 years ago, they agreed to enroll me in their insurance, but they would pay only 3/4 of the amount they pay for full-time employees, and I would pay the extra 1/4, on top of the normal employee contribution.
Under the ACA, does my 30 hours a week now count as full-time? Should my employer be paying the same amount for me as for their other employees? (I am their only part-time employee.)
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I then did exactly what I said, I went at her with no love whatsoever, just pounding her, legs held out by the ankles one minute, over my shoulders the next. Hardly ever losing eye contact, I spoke obscenely to her, calling her a whore and a tramp, I said “what a dirty slut she was” to which she shook her head “of course you are, bringing home a pussy and thong full of another guys spunk” I said. “It was a good job, your MY dirty slut” she nodded eagerly at this, “that’s better” I said. I then reached under her and lift her bum with my hands, grinding my cock into her. I parted her bum cheeks and started working the tip of my finger into her arsehole, I asked her “did you let the prick fuck your arse?” she didn’t shake her head or nod at this, she mumbled something through the dripping panties. I carried on humping her whilst clenching her bum with my hands, rubbing her arsehole with my finger. I clamped down with my mouth around the lacy material which was hanging out of her mouth and pulled the panties out of her mouth, she gasped and started nibbling my nipple (she knows I love this). I asked her again “ did he fuck your arse?”. She look up from my nipples and looked me in the eye again and said “no he didn’t, he was fucking me from behind and said he wanted to but I said no, that didn’t stop him pushing his thumb into my arsehole at the same time he growled that he was going to cum” this nearly pushed me over the edge and I could feel my cock starting to swell. Stacey sensed the reaction in me too, adding “I liked it and by that point if he’d asked again, I’d have let him fuck me in the arse” I interrupted her “I’m gonna cum you dirty bitch, I’m . . .” this time the lacy panties were used to cut my sentence short and gag me, covered in cum, sweat, juices and saliva, Stacey pushed them into my mouth and carried on talking “I had a little orgasm quite quickly with him fucking me, must have been the novelty of fucking someone new and it being outside, but when he went from ploughing me with hands on my hips, to sticking one thumb in my bum hole and the other in my mouth to pull me backwards to him, the deeper angle he got into me, plus the feeling of helplessness, pushed me over the edge and a huge orgasm waved over me, my pussy convulsed, which pushed Gary over the edge and he emptied his balls into me, like a someone violently emptying a pot to ensure all the contents would come out.” I didn’t even make it through to the end of her dirty recollection, mid sentence I flushed her pussy out with my cum, whilst still looking her in the eye. But now, I was laid on top of her, cock still rigid inside her, hands still clamped around her bum. My head was over her shoulder buried into the pillow, with her used filthy underwear firmly clenched in my mouth. She then added “I came that hard, that Gary couldn’t remove his thumb from by arse, I had to consciously relax my bum and it still stung taking it out. BUT THAT fuck with you just then tops anything we’ve ever done. Rob, I am truly sorry, but thank you and I do love you. We lay there panting together, for some strange reason I felt as close to her as ever and knew I still loved her. Normal life resumed shortly afterwards, when we heard the kids shouting upstairs that they wanted dessert. Stacey ran to the bathroom, I could see spunk dripping down her legs. I threw my robe on and went downstair
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As the lockdown restrictions were eased and certain sports and exercises were allowed again, I got out walking and kayaking, whereas Stacey got back on the golf course at every opportunity, where she is very accomplished (playing off a handicap of 5). She played 2 or 3 times a week with her friend Amy, who roped her into entering a mixed completion. Stacey eagerly told me about the comp coming up in 6 months and that she would be playing with Gary and Tony. Tony was new to me, an average player and someone making the numbers up. Gary I knew from way back, an excellent golfer and a bit of a ladies man. Despite knowing this, I didn’t say anything, I’m not the jealous type and have never had cause to be. Of the 2-3 rounds a week, Stacey and Amy played, Gary and Tony joined them, but again as they were playing as a 4, I didn’t worry unduly.
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I pulled her thong down to her knees and instinctively knelt down to lick her pussy (from the front, from behind, sat on top, I adore oral sex), she hissed “NO, just fuck me”, but as she was tentatively balanced, stood up, but with her panties around her knees, I gave her a light push forward onto the bed and was rewarded by a sodden and strangely reddened looking pussy, framed between her bum, legs and lacy panties. This was a target I couldn’t resit, I dived into her, tongue straight in, nose nuzzled against her arsehole, it was amazing, she responded by pushing back, her pussy lips unusually pushed straight over my mouth (her pussy usually needed a bit of work to get her full loosened up). Stacey was grunting, subconsciously rubbing her pussy up and down my face, I had each of her hands held tightly, clamped next to my face, which allowed me to pull her deeper onto me and didn’t allow her squirm forward. I’d been too horned up to notice the obvious signals, but the realisation suddenly hit home.
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Over the last 15 years we have grown together, both in spirit as soul mates and sexually. At 42 I’m older and have certainly had more experience. She is trusting and open minded, most new things she has tried with me, she has enjoyed and gone on to develop. Sex indoors, sex outdoors, making love, fucking like animals, some rough play, dressing up, we’ve come a long way together. But recently things had gone off the boil, the UK covid lockdown didn’t help, Stacey, me and the kids were cooped up together for a long period, limit privacy and working from home consuming us, probably made worse for me as my masturbating opportunities were also reduced.
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But back to the job in hand, I said “I don’t want to hear I love you, I’m sorry or anything, I just want to use your dirty cum filled cunt. You just lay back and enjoy, but while you do think very very clearly about what happens when I’m done. Because we are going to have a talk and if your 100 honest and hide nothing, we have a chance, but anything short of that and we are done, OK?” She nodded her understanding, what a picture she was, her mouth bulging with lace, hair all over the place, covered in sweat and god knows what else.
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Stacey (my wife) and myself had a good sex life, but after 15 years it became a little predictable. Usually driven by me, I knew the signals, the main signal being Stacey going up for a shower before bed. The sex itself was always good, sometimes great as we both know what makes each other tick and cum. I still find Stacey attractive, she’s 5’7” and although at 36 she has never shed the baby weight of having a couple of kids, her exercise routine still keeps her bum pert and large tits firm.
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I pulled her thong down to her knees and instinctively knelt down to lick her pussy (from the front, from behind, sat on top, I adore oral sex), she hissed “NO, just fuck me”, but as she was tentatively balanced, stood up, but with her panties around her knees, I gave her a light push forward onto the bed and was rewarded by a sodden and strangely reddened looking pussy, framed between her bum, legs and lacy panties. This was a target I couldn’t resit, I dived into her, tongue straight in, nose nuzzled against her arsehole, it was amazing, she responded by pushing back, her pussy lips unusually pushed straight over my mouth (her pussy usually needed a bit of work to get her full loosened up). Stacey was grunting, subconsciously rubbing her pussy up and down my face, I had each of her hands held tightly, clamped next to my face, which allowed me to pull her deeper onto me and didn’t allow her squirm forward. I’d been too horned up to notice the obvious signals, but the realisation suddenly hit home.
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I then started to wonder why Stacey hadn’t told me and began to think things, I got myself in a mess wondering if Stacey was having an affair, but was able to rationalise things and put my thoughts down to petty jealousy, after all Tony was there to cock block Gary. Strangely though, with the mix of emotions I’d been feeling, I was quite turned on by my dirty mind wrongly thinking what my wife was up to. With my dirty mind getting the better of me, I shut myself away from the kids in the bathroom and wanked myself furiously at the thought my wife being fucked o the golf course by Gary, Tony even joined my fantasy at one point as I imagined her being bent over in the woods by both men, using her and leaving her full of cum. I came buckets myself at the thought. Immediately afterwards I was overcome by guilt and anger at myself for being turned on by such thoughts. I pushed all that to the back of my mind and went downstairs, to prep the kids evening dinner, which I served before jumping in the shower upstairs in the en-suite.
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I then started to wonder why Stacey hadn’t told me and began to think things, I got myself in a mess wondering if Stacey was having an affair, but was able to rationalise things and put my thoughts down to petty jealousy, after all Tony was there to cock block Gary. Strangely though, with the mix of emotions I’d been feeling, I was quite turned on by my dirty mind wrongly thinking what my wife was up to. With my dirty mind getting the better of me, I shut myself away from the kids in the bathroom and wanked myself furiously at the thought my wife being fucked o the golf course by Gary, Tony even joined my fantasy at one point as I imagined her being bent over in the woods by both men, using her and leaving her full of cum. I came buckets myself at the thought. Immediately afterwards I was overcome by guilt and anger at myself for being turned on by such thoughts. I pushed all that to the back of my mind and went downstairs, to prep the kids evening dinner, which I served before jumping in the shower upstairs in the en-suite.
Brenda
I work 63 hours a week, but I wanna apply for medical. Can I still apply for it and how much would I pay if I’m applying and dependent for myself ?
ObamaCareFacts.com
Medical depends on income and family size, not hours worked. Further, you can apply regardless of your income, you’ll just be rejected or pointed at the marketplace if you make too much. How much you would pay for Medical/Marketplace coverage depends on income and family size.
william d reed
If I work as a 73 year old that is insured under my wifes medical from her employer, if I work 30 hours a week do I have to get insurance from my employer or can I remain under my wifes plan
ObamaCareFacts.com
In general I would think you would have access to Medicare and would need to be on Medicare. That said, take age out of it, and you can be on whichever plan you wish… although an employer can force you to take a plan… which can make which plan pays first confusing. In short, there isn’t actually a simple answer here. You might be best off talking to both employers (or the insurer) and getting help from them.
Dwight Sitaro
My employer has less then 50 employees and the employer does offer health insurance for full timers. That being said…can my employer make me work more then the minimum 30 hours to receive health benefits or is the 30 hours minimum all that I have to work and not work more to receive benefits as I am told. Thank you
ObamaCareFacts.com
If you work over 30 on average over a certain amount of time (a complex set of criteria called measuring periods) then you have to be offered coverage based on a set of rule related to that. So its not a simple answer, but if you work more than 30 on average, then generally speaking “yes.” Most employers will keep weekly hours under 27 as a safe harbor, but there is wiggle room.
Edilma
We have health insurance cover through my husband work, we took a week vacation las September. And because of the they are not consider vacation time and they are taking away our insurance because is not enough hours. It is this legal ? We had only a week off
LUIS C MUNOZ
I’m a full time employee. As of August 1st my hours have been reduced due to seasonal fluctuations in available work. All of a sudden my employer cut off my insurance because I no longer work 30 hours per week.
In a 12 month average, I work way more than 30 hours and I’m still classified as a full time employee.
Is this legal?
ObamaCareFacts.com
Essentially it works like this: Once you qualify and they offer you coverage, they have to keep offering you coverage until the end of the calendar year.
I’m not surprised not everyone understands this, it was really hard for us to parse together all the rules.
https://obamacarefacts.com/questions/initial-measurement-period-start-date/
With that in mind, you may want to talk to them and clarify what is happening. There is more than one rule in play here.
Keep in mind, we aren’t offering professional advice here, just trying to help point people in the right direction. Ultimately you’ll need to make your own call as to how you handle this. You might consider seeking advice from a professional, or the DOL, etc. Good luck! Feel free to post a follow up so people can better understand how this situation was handled.
Sheila Talton
I work for a mid size company. They consider me part-time and get no benefits. On average I work 32 hours a week. I was told that I had to be full time to get insurance. I am 63 and my insurance is 600.00 a month.
Should my employer offer me insurance.
ObamaCareFacts.com
You have to consider “measurement periods”, and that can get complex. With that in mind, if you work 32 hours a week average for enough time then yes, 100%, if the company has over 50 full-time equivalent employees then they have to offer coverage or pay a fee.
It isn’t super simple to say in a comment, so I would suggest talking to your employer. They may explain an aspect we can’t know like “they only have 40 FTE, or they are just paying the fee).
genia
My employer only has 5 total employee, I work 30 hours a week. Do they have to offer health insurance to me.
ObamaCareFacts.com
No, only employers with 50 or more Full Time Equivalent (not just full time) workers do.
Michael Frankfather-Tumaneng
Why do I pay medicare employee tax at my job when I am part-time and receive no employee benefits and am kept under 25 hours a week so my employer will not have to provide benefits?