15 Part-Time Jobs With Benefits (Health Insurance, Retirement & More)

You don’t have to work full-time to get full-time benefits. Many major employers extended benefits to part-time workers, including health insurance, sick days and retirement accounts.

For the most part, there’s no federal mandate for employers to offer benefits to part-time workers (and no legal classification of what constitutes a part-time worker). But companies often still offer benefits, either to comply with state or local laws or to attract skilled workers to the business.

Can You Get Benefits With a Part-Time Job?

Believe it or not, you can get benefits with a part-time job, usually through a large employer.

Eligibility requirements can vary by company, but employers usually require somewhere between 20 and 30 hours a week to qualify for benefits. They may also require you to work for a certain amount of days or months before benefits kick in.

Largely, there’s no legal requirement to offer these benefits at the federal level, but many states and cities have enacted requirements for paid sick leave and even more general paid time off (PTO).

There are two major exceptions, as far as the federal government is concerned:

• Family and Medical Leave Act (FMLA): Employers with 50 or more employees who work at least 20 weeks a year must offer unpaid, job-protected leave for various reasons (for instance, the birth or adoption of a child or taking care of a sick family member) for 12 to 26 weeks, depending on the reason. To be eligible, employees must have worked there for at least a year, with at least 1,250 hours in the previous 12 months.
• Affordable Care Act (ACA): Similarly, employers with 50 or more employees must provide health insurance to full-time employees. However, the ACA defines full-time as an average of 30 hours a week, rather than 40, so it applies to many part-time workers.

Many companies voluntarily extend benefits to part-time employees, even if the workers don’t meet federal, state or local requirements. This makes the employer more attractive, which helps with recruiting and retention.

Keep in mind: Benefits can vary by location and employment status. Always review the fine print before accepting a job, especially if there are benefits that are non-negotiables for you.

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What Benefits Do Part-Time Employees Typically Get?

Part-time employees may qualify for a wide range of benefits, depending on the employer. In some cases, the benefits are indistinguishable from those offered to full-time employees.

Common part-time benefits include:

• Health insurance
• Vision and dental insurance
• Retirement plans, such as a 401(k) — sometimes with an employer match
• Tuition reimbursement plans
• Paid time off (vacation days, personal days, sick days and/or volunteer days)
• Employee stock purchase plans
• Store or service discounts

Finding a job with part-time benefits can be a game-changer for your finances. With quality benefits, you can:

• Go to the doctor without being as stressed about the cost
• Start saving for retirement
• Take time off work to recharge
• Get discounts at your favorite stores and restaurants

If you’re still looking for the right part- or full-time job but need health insurance benefits ASAP, here’s how to get health insurance without a job.

Best Part-Time Jobs With Benefits

You might be able to find smaller employers offering part-time benefits where you live, but your best bet for finding a part-time job with benefits is to consider bigger employers. Here’s a look at 15 of the best employers offering benefits to eligible part-time employees.

Note: Requirements could vary by role, union status and location; seasonal and temporary roles may not qualify.

Starbucks

Starbucks offers a wide range of benefits to eligible part-time employees, from standards like sick time and health insurance to unique perks like Spotify premium memberships and a free pound of coffee each week.

One of the top benefits for part-time Starbucks employees is the tuition benefit, available on the first day of employment: Starbucks will pay 100% upfront tuition costs toward your first bachelor’s degree from Arizona State University (150+ online programs).

Core benefits for eligible part-time employees include:

• Medical, dental and vision coverage (including mental health resources and 20 annual therapy sessions)
• 401(k) with company match
• PTO for vacations, illness and bereavement
• Life insurance short- and long-term disability insurance options
• Stock options

Why it’s attractive: Many benefits are available day one; others are based on hours worked, not full-time status.

Caveat: Eligibility rules may differ seasonally.

Costco

Costco provides health insurance benefits — with low premiums and co-pays — and retirement benefits to part-time employees who meet hour and tenure requirements. In addition to paid vacation and sick time, Costco part-timers also get eight paid holidays (and one floating holiday).

Core benefits for eligible part-time employees include:

• Medical, dental and vision coverage (including a pharmacy program and emotional well-being programs)
• 401(k) with company match
• PTO for vacations, illness and bereavement
• Paid holidays
• Life insurance short- and long-term disability insurance options
• Stock options

Why it’s attractive: Costco is known for higher pay and better retention than other major retailers.

Caveat: Eligibility rules may differ seasonally.

UPS

UPS offers health care coverage and retirement benefits (pension contributions) to eligible part-time union employees. Notably, part-timers get health coverage with no deductibles and no to low co-pays.

Core benefits for eligible part-time employees include:

• Medical, dental and vision coverage (no deductibles and no or low co-pays)
• Pension plans
• Tuition assistance

Why it’s attractive: Part-time union employees make $21 an hour at a minimum.

Caveat: Eligibility depends on union contracts and local agreements. Plus, warehouse roles can be physically demanding.

REI

REI offers a few key benefits, including health coverage, to eligible part-time employees (20 hours a week or more). The employer pays the majority of health care plan costs and all of basic life insurance and long-term disability insurance costs.

Core benefits for eligible part-time employees include:

• Health insurance
• 401(k)
• Significant gear discounts

Why it’s attractive: REI is known for its strong brand culture and outdoor-focused perks.

Caveat: REI has had recent notable layoffs; part-time benefits may be affected.

Trader Joe’s

Trader Joe’s offers health insurance (with premiums as low as $25/month) and retirement benefits to eligible part-time hires, among other perks.

Core benefits for eligible part-time employees include:

• Medical, dental and vision coverage (premiums as low as $25/month)
• 401(k), with potential employer contributions
• PTO (around 5 to 10 days a year)
• 20% store discount

Why it’s attractive: As grocery prices rise, that 20% discount can be huge.

Caveat: Eligibility depends on maintaining required weekly averages.

Chipotle

Part-time Chipotle crew members can access several great benefits, including tuition assistance, health insurance and free burritos during shifts.

Core benefits for eligible part-time employees include:

• Health insurance
• 401(k) with company match
• PTO (40 hours of vacation, 24 hours of sick time)
• $5,250 a year in tuition assistance
• Quarterly bonuses

Why it’s attractive: The education assistance can help avoid taking out high-interest student loans.

Caveat: Insurance plan options for part-time employees may be more limited.

CVS Health

CVS Health offers part-time employees competitive benefits, including health insurance (including no-cost mental health counseling), 401(k)s, store discounts and tuition assistance.

Core benefits for eligible part-time employees include:

• Medical, dental and vision coverage
• Life and disability insurance
• 401(k)
• PTO
• Stock options
• Tuition assistance
• Store discounts

Why it’s attractive: You can get access to free medical services, including smoking cessation, flu shots and counseling.

Caveat: Coverage details vary by position and state.

Walgreens

Walgreens extends many of its benefits to part-time employees.

Core benefits for eligible part-time employees include:

• Health insurance
• 401(k)
• PTO
• Store discounts

Why it’s attractive: Walgreens is a leading company providing pay transparency for every role.

Caveat: Eligibility depends on position, length of employment and team member level.

Kaiser Permanente

Kaiser Permanente has a low hours-per-week requirement to unlock part-time benefits: 20 hours a week.

Core benefits for eligible part-time employees include:

• Medical, dental and vision coverage
• Life insurance
• Long-term disability
• Flexible spending accounts
• PTO (including 7 paid holidays and 19 to 34 personal days, used for any reason)
• Multiple retirement plans

Why it’s attractive: Kaiser Permanente has one of the best paid time off policies for part-time employees.

Caveat: Eligibility rules vary by job category and union status.

FedEx

Part-time employees at FedEx, including package handlers and those in operational and logistics roles, are eligible for a number of benefits.

Core benefits for eligible part-time employees include:

• Health insurance
• PTO and holiday pay
• 401(k)
• Tuition reimbursement

Why it’s attractive: FedEx offers competitive pay, especially for holiday deliveries.

Caveat: Benefits vary by division and location.

Home Depot

Although part-time employees aren’t eligible for medical insurance, they can get dental and vision insurance, as well as disability insurance and paid vacation (20 hours after six months) and sick time.

While the insurance and PTO benefits could improve, part-time associates can get a company-sponsored 401(k) and tuition reimbursement.

Core benefits for eligible part-time employees include:

• Dental and vision insurance
• PTO (vacation and sick time)
• 401(k)
• Tuition reimbursement
• Stock options
• Profit-sharing bonuses

Why it’s attractive: Part-time employees can benefit from profit-sharing bonuses.

Caveat: You can’t get traditional health insurance as a part-time employee at Home Depot.

Lowe’s

Lowe’s offers a full-coverage health insurance plan to part-timers, but it’s not as comprehensive as the coverage that you could get by working full-time. Employees can also get access to counseling and therapy through the Employee Assistance Program.

Core benefits for eligible part-time employees include:

• Health insurance
• PTO
• 401(k) with match
• Stock options
• Cash bonuses
• Education assistance
• Store discounts

Why it’s attractive: Lowe’s offers a traditional health insurance plan to part-time store employees.

Caveat: Health care coverage availability varies by hours and location.

Amazon

Although part-time Amazon employees don’t get health insurance, they can more easily find coverage via Amazon’s Health Marketplace Tool. That said, part-timers do get dental and vision, as well as a 401(k), PTO, discounts on Amazon and free Prime membership.

Core benefits for eligible part-time employees include:

• Access to the Health Marketplace Tool
• Dental and vision insurance
• 401(k)
• PTO (including paid holidays for specific jobs)
• Employee discounts
• Free Prime membership

Why it’s attractive: Amazon’s part-time employee discounts are among the most robust.

Caveat: Eligibility depends on employment classification and hours worked.

Whole Foods

Part-time benefits at Whole Foods start at just four hours a week and include PTO, a 401(k) with employer match and a store discount.

Core benefits for eligible part-time employees include:

• 401(k) with match
• PTO
• Career development opportunities
• Nutrition programs and nicotine cessation programs
• Store discount

Why it’s attractive: Part-timers are eligible with just four hours a week.

Caveat: There’s no health insurance for part-time workers.

Target

Some hourly Target employees may be eligible for health coverage, but part-timers are mostly limited to retirement benefits and employee discounts.

Core benefits for eligible part-time employees include:

• 401(k)
• Early access to paycheck
• Virtual care platform and mental health resources
• Education assistance
• Store discount

Why it’s attractive: You can access roughly 500 certificate and degree programs, some tuition-free.

Caveat: Most part-time employees aren’t likely to get health care benefits.

Industries Most Likely to Offer Part-Time Benefits

Although you can find part-time jobs with benefits across many industries, some are much more likely to offer a wider range of benefits, including health insurance and retirement plans. Here are some of the top industries that offer jobs with part-time benefits:

• Hospitals and health care
• Retail and restaurants (large chains)
• Warehouse and logistics companies
• Colleges and universities
• Public sector jobs

In addition, any companies that have union-backed jobs are much more likely to offer benefits to part-time union employees. Just remember, being in a union means paying union dues. These are usually 1% to 2% of your income. If you’re averaging 25 hours a week, that’s 1 to 2 hours of pay each month.

Image Placement #3 — Industry Collage (After This Section)

Alt text: Part-time jobs with benefits in retail, warehouse and healthcare

Remote Part-Time Jobs With Benefits: Are They Common?

Getting a remote part-time job with benefits is possible, but it also isn’t easy. Benefits for part-time employees are most common in health care roles, at warehouses, and as customer-facing employees at stores and restaurants.

That said, you might find larger corporations with customer service roles that include part-time benefits.

Choosing a freelance job that you can do from your own home gives you plenty of flexibility, but you’ll have to pay for all your own benefits out of pocket. If that sounds doable for you, there are dozens of remote side hustles you can do from a home office (or even the couch!).

Pros and Cons of Part-Time Jobs With Benefits

Part-time jobs with benefits have advantages, such as access to health insurance and retirement plans, but they also have drawbacks, such as limited hours and PTO benefits.

Pros	Cons
Access to employer-sponsored health insurance	Lower income
Fewer hours spent working	Minimum hour requirements
Retirement savings options	Less control over schedule
Supplemental income	Fewer advancement opportunities
Potential tuition reimbursement	More limited PTO
Store discounts	Waiting periods before coverage kicks in
Lower burnout risk	Premium cost-sharing

How to Qualify for Benefits in a Part-Time Role

To ensure you get access to benefits as a part-time employee:

1. Confirm benefit plans during the interview process. If benefits are a deal-breaker, ask for information before accepting the job. Review the benefits guide carefully to see if they meet your needs.
2. Focus on minimum weekly hours. Confirm with HR how much you need to work each week to qualify for benefits. Aim to work more, if possible, to account for weeks where you can’t meet that threshold. Ask for a steady schedule, if possible.
3. Be aware of enrollment windows. If there’s a waiting period before benefits kick in, make sure you have a plan, especially for health insurance. Though expensive, you can buy short-term health insurance for any gaps between coverage. Mark the enrollment date in your calendar so you don’t miss it.
4. Understand how your benefits work: To make the most of your benefits, read all the fine print carefully. For health insurance, make sure you know your premiums, co-pays and deductibles. For retirement plans, ask about the company match and, if possible, contribute to take full advantage of the 401(k) employer match.

Frequently Asked Questions About Part-Time Jobs With Benefits

Final Verdict

Part-time jobs with benefits do exist, though they’re harder to find than full-time jobs with benefits. Thanks to the FMLA and ACA, certain benefits are required if you meet hourly thresholds. Even without federal, state or local requirements, many companies — often large employers — pass on some benefits to part-time employees, such as health insurance and retirement accounts.

Benefits, pay and eligibility rules change frequently, so always ask for benefits info when you apply or before accepting a job.