When part-time Jobs Do not Offer Health Insurance

Many Americans choose to work part-time for several reasons. Maybe you've just enrolled in college and chose to attend college full time and part-time work in order to graduate first. Perhaps you choose to work part-time in order to devote more time to your home business. Perhaps you have decided to work part-time in order to spend more time with your children. Maybe some of you choose to work part-time jobs instead of a full-time job because you like the diversity or simply can not find a full time job for which you are qualified or enjoy.

See? There are many reasons Americans choose to work part-time.

Despite the advantages of part-time offer, there are some falls, too. One of the biggest drops in employment, working part-time work are many part-time jobs do not offer health insurance. This is usually because employers do not feel their part-time employees invest enough time in the company to offset the cost of health insurance. Although this makes sense, it does little to console the part-time employees.

Americans who work part-time and do not offer health insurance are basically three ways to obtain health insurance: you can add to their spouses health insurance policies, you can purchase a group health insurance policy, or they can buy an individual health insurance policy.

It 'true that the individual health insurance policies are often more expensive than being added to the policy of the spouse or purchasing a group policy, are also sometimes the only available part-time employees. After all, not everyone is married, and not everyone belongs to an organization that offers health insurance policies.

If this is your situation, you can reduce the cost of individual health insurance, with minimal coverage, raising deductibles, and paying annually rather than monthly. Shop around for individual health insurance policy that offers the lowest rates that can be paid each year only for the coverage you need....