If you have a full-time job, your employer likely offers a health insurance option as part of the benefits package. Employer-based health insurance plans are extremely common and typically the most affordable health insurance option available. Thanks to the Affordable Care Act (ACA), companies are legally required to offer group health insurance if they have more than 50 full-time employees.
If you have a full-time job, health insurance is almost always included in the sign-on package. Full-time is considered working 30 or more hours per week.
Depending on the company, part-time employees may also have access to health insurance through the employer, though this is not required by ACA law.
All employers who have more than 50 full-time employees are legally obligated to provide health care coverage for at least 95 percent of its full-time employees. This includes spouses and dependents, which means you could still qualify for health insurance through a spouse, even if you do not have a job.
Employer based health insurance plans are typically the least expensive because employers pay at least half the premium costs. It benefits them just as much to offer affordable health care plans, since they would also be paying less in premiums.
U.S. employers pay an average of 82 percent of each employee’s premium cost. However, this percentage decreases for the employees’ family plans.
Smaller employers typically cannot afford to pay as much for employee premiums as large employers can. If you work for a small business, it is common for the employer to pay for your premium but not your spouse or dependents’ premiums.