Part-time hours, full-time coverage.

Health insurance for part-time and seasonal workers

Part-time and seasonal work — retail, tourism, agriculture, events, gig shifts — rarely comes with health benefits, and the gaps between seasons are exactly when being uninsured is riskiest. A private PPO plan solves that: it does not require full-time hours, it enrolls year-round, and because you own it, the coverage stays active between seasons and between jobs instead of ending when a season does.

Coverage that stays put between seasons

The core problem with seasonal work is continuity — employer coverage, when it exists at all, disappears the moment the season ends. A private PPO is coverage you hold onto year-round, so there is no gap when one job wraps up and the next has not started. Eligibility is based on your age, location, and health, not on hours worked.

• No full-time-hours requirement
• Coverage that stays active between seasonal jobs
• Year-round enrollment — get covered whenever you need to
• Nationwide network with no referrals

What part-time and seasonal coverage costs

Premiums depend on your age, your state, and the plan you choose. If your income is modest, a Marketplace plan with subsidies may be the cheapest route, and a licensed advisor will say so honestly. Compare total yearly cost — premium plus deductible — rather than the monthly price alone.

How to get covered

Tell a licensed advisor the doctors and prescriptions you want to keep, and they will compare private PPO options for your ZIP code against any Marketplace subsidy you would qualify for — free, and with no obligation.