What if I'm a part-time employee and my employer doesn't offer coverage?

If you’re a part-time worker and you don't have access to coverage through work, you may be able to buy health insurance in the exchange and qualify for lower costs based on your household income.

If your employer doesn’t offer health insurance to part-timers

You may be able to get lower costs on your monthly premiums and out-of-pocket costs based on your household size and income.

You may also qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

If your employer does offer coverage to part-timers

If you’re offered coverage through an employer, you may buy insurance through the exchange instead, but in most cases, have access to affordable coverage through work means you can't qualify for lower costs for private plans based on income. 

You would be eligible for lower costs only if the coverage your employer offers isn’t considered affordable to you or doesn’t meet certain minimum standards.