When Part-time Jobs Don't Offer Health Insurance

Many Americans choose to work part-time jobs for aconsole the part-time employee.
variety of reasons. Perhaps you've just enrolled inAmericans who work part-time jobs that don't offer
college and have chosen to attend college full-time andhealth insurance basically have three ways to get
work part-time in order to graduate sooner. Maybehealth insurance: their spouses can add them to their
you've chosen to work part-time in order to devotehealth insurance policies, they can buy into a group
more time to your home business. Maybe you'vehealth insurance policy, or they can purchase an
decided to work part-time in order to spend more timeindividual health insurance policy.
with your children. Perhaps you've opted to work aIt's true that individual health insurance policies are often
few part-time jobs instead of one full-time job becausemore expensive than being added to a spouse's policy
you like the diversity or you just can't find a full-time jobor buying into a group policy, they are also sometimes
for which you're qualified or enjoy.the only choice part-time employees have. After all, not
See? There are so many reasons American chooseeveryone is married, and not everyone belongs to an
to work part-time jobs.organization that offers health insurance policies.
Despite the perks part-time jobs offer, there are someIf this is your situation, you can lower your individual
downfalls, too. One of the major downfalls of workinghealth insurance costs by minimizing coverage, raising
a part-time job is many part-time jobs don't offerdeductibles, and paying annually rather than monthly.
health insurance. This is usually because employersShop around for an individual health insurance policy
don't feel their part-time employees invest enough timethat offers the lowest rates that can be paid annually
in the company to compensate for the cost of healthfor only the coverage you need.
insurance. While this makes sense, it does little to