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.)


Answer

If you work 30 hours a week on average you are full-time. If your employer has more than 50 full-time employees, they must offer you coverage.

Employers can use a look-back period of up to 12 months to determine full-time status. Thus if you had worked less hours before, your total average hours could be less than 30. Generally though, moving forward, if you work an average of 30 hours a week or more you are considered full-time.

If you are considered full-time, your employer must pay at least 50% of your total premium and coverage can't cost more than 9.56% of household income (although they usually use employee-only income as a safe harbor).

Learn more about the employer mandate.

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Michael Frankfather-Tumaneng on

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?

genia on

My employer only has 5 total employee, I work 30 hours a week. Do they have to offer health insurance to me.

ObamaCareFacts.com on

No, only employers with 50 or more Full Time Equivalent (not just full time) workers do.

Sheila Talton on

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 on

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).

LUIS C MUNOZ on

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 on

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.

Edilma on

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

Dwight Sitaro on

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 on

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.

william d reed on

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 on

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.