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Home » Lifestyle Finance, Workplace Finance

5 Part-Time Jobs with Health Insurance & Benefits

Last updated by on March 15, 2016

Part-time jobs don’t always equate to no benefits. There are plenty of part-time jobs out there that offer surprisingly good health insurance and benefit plans. You just have to know where to look.

Why is it to your benefit to know which part-time jobs have benefits?

Shit happens. Jobs get downsized, you may choose to retire early but don’t want to foot the bill for health care, or you may decide to go back to school.

And sometimes, as my wife has, it makes sense to choose part time vs. full time.

Industries that Offer Good Part-Time Benefits

part time jobs with health insurance benefitsTo make some broad generalizations, the following industries tend to offer pretty good part-time benefit programs:

  • health care
  • blue collar (usually unionized)
  • army/military
  • state/federal/municipal governments
  • retail (non food-service)

I’m going to highlight a few national employers to consider. Note that not all health insurance or retirement plans are created equal. Just because you may be eligible for ‘medical insurance’, does not mean you will have a free ride. All of these employers will have slightly different plans that will require varying premium coverage by you. It pays to research extensively beforehand.

That being said, some of the benefits offered by these employers are quite generous and fairly surprising.

If all else fails, part-time workers who do not receive health benefits are eligible for insurance through the health insurance exchanges – and could be eligible for subsidies. Obamacare is a big victory for part-timers.


Starbucks benefits usually get mentioned in any part-time benefit discussion. And for good reason. Benefits include:

  • Medical, dental, and vision plan for you and your dependents, including domestic partners.
  • A 401K match (varies by year).
  • Life Insurance.
  • Vacation, holiday, and sick time.
  • A pound of coffee or tea per week!
  • Discounted stock.

In order to be eligible, you must maintain at least 240 hours per calendar quarter (or about 20 hours per week). Kudos to Starbucks for offering such a great benefits package for part-timers!

Trader Joe’s

Part-time “Crew Members” are eligible for medical, dental and vision coverage after meeting the eligibility requirements. Most Crew Members qualify after a couple of months, according to Trader Joe’s career page.

However, one should be aware that ‘part-time’ can be up to 40 hours per week. I still haven’t seen a sad Trader Joe employee.

Trader Joe’s employees are also paid very well. According to employee surveys at Glassdoor, crew member wages at Trader Joe’s can be up to $19/hour! And CNN reported,

“assistant store managers — can make in the low six figures, and full-time crew members can start in the $40,000 to $60,000 range. But on top of the pay, Trader Joe’s annually contributes 15.4% of employees’ gross income to tax-deferred retirement accounts.”



Want to spend a lot of time hiking and biking and less working? With REI, you can. Employees averaging 20 hours or more per week are eligible for the REI Flex Plan. Employees can choose from several medical plans for themselves and their dependents.

REI benefits also include:

  • 50% off gear (a big one for me).
  • Vacation, PTO, and 8 paid holidays.
  • A retirement contribution of 5% of earnings and up to an additional 10% depending upon company profitability. Employees are not required to contribute their own pay in order to receive the REI contribution.

Hmm… note to self. Live near an REI in retirement.


The shipping carriers don’t readily supply full details of their benefits on their website or the qualifications to receive them, but their reputation is well earned.

All three offer medical, dental, vision, and 401K.

UPS, in particular, also offers vacation, stock purchase incentives, and a defined benefit pension.

The great part? They offer this to all employees, not just full-timers.

Note with FedEx that their ground shippers are considered independent contractors and don’t receive company benefits.


Lowe’s benefits are the same for part-timers as they are full full-timers and you are eligible immediately. Those benefits include:

  • limited health insurance, vision, and dental
  • vacation
  • 6 paid holidays
  • discounted stock
  • 401K match up to 6%

You can get some great benefits all while beefing up on useful Bob Vila superpowers. Win-win.

Just wear some good shoes, you’ll be standing on concrete all day long.

Part-Time Jobs with Benefits Discussion:

  • What other part-time jobs have great health insurance and other benefits? Share the details!
  • Have you stayed on part-time with one of these employers because the benefits were so great?

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About the Author
I am G.E. Miller, & this is my story. My goal is financial independence ASAP. If you share that goal, join me & 10,000+ others by getting FREE email updates. You can also explore every post I have written, in order.

  • 20 and Engaged says:

    Wow I’m going to have to look into Starbucks or Trader Joes and see if I can get on board there.

  • The REI and Starbucks part-time positions sound pretty good to me!

  • Jill says:

    The REI sounds pretty sweet to me. It really still surprises me how many companies actually take care of their employees.

  • Ron Ablang says:

    I don’t know if this is available to most readers here, but Nugget Markets also offers benefits to part time workers. I haven’t researched how good they are though.

  • Max says:

    Whole foods, JC Penny also offer benefits to part timers!

  • Honey says:

    I know someone who worked at Trader Joe’s for over a year and she said that all the employees are overworked and completely miserable. The company’s focus on customer service means you can’t tell by how they act, but she HATED everything about the company and the job.

  • mary says:

    any one know any information on sears for medical benefits for part timers?

  • Leslie in San Francisco says:

    REI SUCKS I WORKED FOR THEM FOR THREE YEARS. I had a 401 k with them and 7 years after I quit they took ALL their money back 4000 plus dollars. REI is a scam and a sham and is NOT a co-op but a corporate bunch of ripoff artists. and their brand gear is crap.

    • Bobo says:

      I worked at Rei for 5 years, just long enough to keep my retirement money, most of which they put in. Over $11,000. That’s your fault for not doing your homework and knowing you lose it if you don’t stay long enough. Get you facts straight.

      It’s retail though and customers get annoying and the return policy was abused quite a bit. Wages are low but amazing deals though. Half off REI brand full price items. Decent stuff but I agree their own brand is not great. But up to 80% off major brands. Outfitted myself with Thule gear and the shipping was more than price I paid for roof box. Same with smartwool, but can buy for friends and fam around Xmas. Those socks are not cheap!

  • Ashamed of Lowes says:

    Lowe’s never offered the “same” coverage to full and part-time but it did at least offer some healthcare coverage for part-timers that I for one really appreciated.
    They… as of July 31st 2014 have cancelled those plans for part-time associates and have offered…at a more expense cost a pathetic plan that lets you get a yearly well-visit check up…that would be less than what your paying yearly for coverage! so If you go to the annual visit and your BP is too high , or discover your lymph nodes are swollen, cancer , diabetes etc… the annual exam is covered but there is no insurance or script benefit for you to be treated….Lovely Lowe’s then they blame it on Obama Care….good try folks the other plan covered more for less, this covers almost nothing but your offering it…..So please don’t insult us by saying it doesn’t meet the healthcare guidelines then offer worse coverage for more.


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