Like does a 18 year old McDonald’s worker get health insurance if they work full time
Do part time people still get health insurance
Also why doesn’t everyone just stay on their parents insurance plans instead of getting their own ones cus I would think it would be cheaper to do that no ? Or are you not allowed to when your older than a certain age
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Usually if it is full time work insurance is offered. Certain companies (like small businesses) do not have to offer it for their full time staff.
Edit: and the rules of who has to also vary by state
A lot of part time jobs do not (though usually a discounted or pro-rated option may be available).
Most full-time employees of a company do get health insurance.
Depends on several factors. Full-time employees generally get health insurance, although companies below a certain size may be exempted from this requirement. Part-time employees rarely get insurance, but as far as I’m aware there isn’t a legal *prohibition* against this; their employers *could* provide it, but choose not to.
FYI, “skilled” and “unskilled” do not refer to part- or full-time employee, and isn’t a real distinction anyway. It’s a false distinction used to justify lower wages.
The distinction isn’t between skilled and unskilled labor, but between companies that choose to offer it and those that don’t.
Generally speaking, if you work a skilled job, you probably have healthcare through your employer, but not always. Many low-wage jobs (such as McDonald’s and Starbucks) do still have medical insurance for those employees, but those may be contingent on working above a certain number of hours per week or something.
Many jobs, particularly low-wage jobs at small companies, still have no medical benefits of any kind.
Full time employees of companies with 50 or more employees must be offered health insurance, per the Affordable Care Act.
Skilled employees of smaller companies will also usually be offered insurance as a matter of attracting and retaining skilled employees.
They’re generally only offered if you’re a full time, permanent employee of some predetermined amount of time. I’m not sure if the ACA has regulated that amount of time or not.
ETA: most jobs when offering health insurance really just offer the option to buy into their group policy. You and your employer will have to pay monthly premiums and then depending on the policy, you’ll generally have a deductible you have to meet before the policy pays providers anything as well as co-pays beyond that.
Union and government jobs tend to have much better policies with no-minimal premiums, deductibles and co-pays.
Also, a lot of jobs have been turned into contractor positions. Contractors aren’t offered/guaranteed any labor protections. They can be “fired” for any reason at all, even protected classes for blatantly discriminatory reasons.
No, but if you make below a certain amount you can get basically free health insurance from the Affordable Care Act.
Having said that highly skilled jobs usually include insurance to attract employees.
Any employer with more than 50 people is required to offer health insurance to full time employees. Part time, depends on the company.
However an important thing to remember about health insurance is that it isn’t uniform. Each employer decides how much they will pay in premiums and how much the employee will pay, and also how much they will pay for spouse and dependent coverage. Like just as an example my wife’s employer fully covers insurance just for her but pays nothing at all for our kids to be enrolled — we are fully responsible for that cost. Also all plans are different in terms of deductible, out of pocket max, co-pays, prescription coverage, etc. Just having health insurance doesn’t mean you won’t be burdened by healthcare costs.
Companies like McDonalds and Walmart are known for purposefully limiting peoples hours and only hiring them as part time employees to avoid having to provide benefits like health insurance.
So while that 18 year old may have the availability to work full time, McDonald’s will very likely limit his schedule to 20-30 hours and not let him be full time.
Very few part time jobs offer insurance.
As for full time.. sure, it’s offered( mostly) but that doesn’t mean you can actually afford it. I worked full time for a national retailer, and I had to choose between having enough in pay paycheck to afford rent and food, or paying for insurance.
Carpenter here, I’ve never had one that did.
Most places it’s usually only full time positions.
I started working for a Sheriff’s office part time back when i was 20 years old doing courthouse security; and my agency actually provided full benefits for everyone, even part time. So i had health, dental, vision, retirement(state), life insurance and even paid vacation/sick time i accrued every paycheck.
It’s not really skilled vs unskilled but rather full-time vs part-time. Many retail or service jobs could proverbially hire any 18-year-old fresh out of school with no experience and that kid would most likely get benefits if working full-time, but as has been said companies like to cut costs by maxing out part-time employees whom they’re not required to give benefits in most cases.
This is why it should be legislated. Work status shouldn’t matter.
You can stay on your parents insurance until you are 26. For most young workers especially if they’re working entry level, that is probably the better coverage.
It should be pointed out, that most companies are required to “offer” insurance for full time employees at *discounted* rates. Sometimes with a choice of plans, and you can opt out entirely, if you want.
The company will usually pay a percentage of the premium — usually half, though I’ve had one company pay 100% (crappy insurance, but it was free). They take your portion of the premium out of your paycheck. If you have a spouse and/or children you can add them on the plan, but that’s where it gets really expensive.
Even if an employee is offered insurance, it’s very common that the employee can’t afford to pay the monthly premium.
What a lot of companies do to get around health insurance cost is say the work is full time but offer around 30 hours a week for everyone. I can’t remember the exact number of hours it is but there’s a number that if you work less than that many they don’t have to offer insurance.
Not every job most likely, but most provide some kind of insurance policy. How good it is is a different story
I worked for a government place that purposely hired a lot of people part time so they wouldn’t have to pay health insurance.
My husband is in one of the “skilled trades”, and because he’s part of a two man company, we have to buy our own insurance(I’m unemployed). We get our insurance through the exchange, but we just barely qualify for any subsidies at all, so it’s pretty expensive. It’s our second-largest monthly bill, after rent.
Most jobs do. Even McDonalds for management has health insurance
Apple. Their assholes for not hearing both sides but their good for health insurance I’ll tell you u’what
*The answers you’re getting are varied, but might be too vague to really answer the question:*
There are requirements that all large (50+ employees) offer insurance to all full time (generally 32+ hours) employees
Beyond that, the decision to offer insurance at all, the requirements to qualify, and the price are decided by the employer. There are some rules to ensure the benefits are offered fairly within a company, but that’s about it. Some companies provide insurance for part time employees, some don’t. I took a job as a server at a particular restaurant specifically because they offer benefits if you work 24+ hours.
What health insurance you’ll get and at what price is something we take into consideration when applying for and accepting a job offer, the same way we consider the salary. Unfortunately, that also means we have to consider it if we choose to *leave* a job.
You can also purchase health insurance on your own (outside your employer) if your job doesn’t offer it. And you can get insurance through your spouse/partner’s company, or (if you’re under 26) your parents company. That allows millions of people to take jobs without insurance or be self-employed and still have insurance.
It’s not every job, there are a bunch of little loopholes.
I personally am in one of the loopholes but I get state Medicaid because I have a chronic condition that requires management..
healthcare in the US is a fucking joke for most. It’s a ball and chain for the average citizen. I pulled into ACA coverage several years ago which ties you to your tax return. Unexpectedly crossed the income upper threshold and the following spring while doing my taxes I owed 24000.00 on a 72000.00 income. sound good to you?
About 77% of the general workforce has healthcare, in hospitality it is about 30% that has healthcare.
Through the Affordable Care Act (Obamacare) children are able to stay on their parent’s healthcare plan until they are 26, so likely that 18 year old is covered through their parents.
Part time people are almost never covered, unless it is through a spouse or family member.
Full time employees usually get insurance benefits. Part time people are not entitled to it.
Don’t forget, “employer paid” health insurance is rarely completely free to working Americans. A lot of full time employees must pay for a portion of the coverage premium themselves, could be about $250-$300 per month. Plus a deductible, which can be around $2K per year. And co-payments to doctor and pharmacists for eacj visit or medication may be $1-50 depending on specialty. Vision and dental coverage is not great, even in the best insurance plans. :/
The issue in the United States is not access to health insurance. The affordable care act required most company to offer health insurance. And even for those who are self employed, sub-contractors or not full time, healthcare.gov provides a marketplace to purchase insurance. The problem with health insurance in the United States is affordability.
To average cost to cover a family on a healthcare plan in United States is 1,200 a month. This is without dental or vision coverage. This does not include copays or deductibles. And most importantly, it does not cover you if you health insurance denies your claim.
The median household income in the United States before taxes is 70,000. So 1,200 a month equals about 20 percent of the average families income. Again this is the premium. In the U.S. if you go to the ER or have procedures done you are more than likely going to pay thousands out of pocket anyways. So a lot of people just say screw it and don’t get insurance unless their employer is paying some of it. And I don’t blame them since its extremely disheartening to pay such a large portion of your income to the insurance company just to go broke paying the deductible anyways or for them to deny your claim.
If you didn’t understand half of what I just said, don’t worry. Most Americans basically have no idea how insurance works. It’s an over convoluted system that works for no one except CEOs, politicians, and super rich people.
I’ve never worked for a place that didn’t offer insurance to all full time employees.
Where i am currently the only part time people we have are those close to retirement who have Medicare
Lots of people mention employer size and that’s important because of the limited powers given to the federal government in the Constitution. It is empowered to regulate interstate commerce and the longstanding logic is that once an employer is large enough they are assumed to be involved in interstate business.
Many will “offer” but do everything they can not to provide but then lobby to ensure you are dependant on them for it.
Under the Affordable Care Act, all employers with 50 or more employees have to offer health insurance to all employees who work 30 hours a week or more.
Those that work at employers that have less than 50 employees can buy insurance off a government run “exchange” which allows government-subsidized purchase of health insurance plans.
In practice, many employers carefully keep part-time employees from reaching the 30 hour restriction that would trigger having to pay for health insurance.
However, as to your question, unless it’s a small business with less than 50 employees, all full-time workers in the US are supposed to receive health insurance from their employer, thanks to the Affordable Care Act (a.k.a. “Obamacare”) that was enacted in 2010.
Lots of good comments but ill throw this one in. If you make under a certain amount you can get free or discounted insurance from the government.
Staying alive is a privilege in the US.
Yes in certain companies. My son works as a server in a large hotel chain. He has benefits, employee matched 401k, paid vacation etc…I know this is not the norm, but companies do exist.
I asked my employer for a $7k pay raise or health insurance thinking the $7k would be way more expensive. Guess who got a $7k pay raise?
Hospitals have part time benefits.
“Skilled labor” versus “unskilled labor” is a myth that robber barons made up.
An 18 year old McDonald’s worker would be entitled to health insurance if they worked full time, which is why McDonald’s doesn’t give their workers sufficient hours to reach that
If you work for a small company you’re screwed. Tying health insurance to employment was a terrible decision. We need free universal healthcare. 😥