How many hours does an employee have to work to get health insurance in Florida?

Any employee who works an average of at least 30 hours per week for more than 120 days in a year. Part-time employees work an average of less than 30 hours per week.

  • Health insurance if you work part-time
  • Options if you have job-based insurance
  • For employers: Learn about the Small Business Health Options Program (SHOP) Marketplace
  • For employers: Find out how to count your FTEs and see if you qualify for SHOP

How many hours does an employee have to work to get health insurance in Florida?

Requirements around employee benefits are first based on the number of full-time employees a company has.

If the company is an Applicable Large Employer, an hourly employee becomes eligible for benefits if the number of hours they work meets or surpasses full-time work. The Affordable Care Act and the IRS define a full-time employee as one who works at least 30 hours a week or 130 hours a month on average. Employees who will be working full-time should be offered benefits based on the company’s Waiting Period.

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How many hours does an employee have to work to get health insurance in Florida?

If the company is not an ALE, offering benefits to hourly employees is based on the company policy and carrier requirements.

Method for determining full-time status

When dealing with employees whose schedules fluctuate, it can be difficult to determine if their hours meet a level that is full-time. In situations such as this, the federal government has outlined a process for determining eligibility. The process involves 3 parts:

*Looking for an easy business compliance solution? Check out Zenefits’ ACA Compliance app.*

Standard measurement period

During this time (3-12 months according to employer’s discretion), an employee’s total hours are divided by the number of weeks worked to determine if their hours are averaging 30 or more per week.

Administrative period

During this time (no more than 90 days), the employer calculates an employee’s eligibility, discusses the employee’s status with them, and enrolls the employee in a benefit plan, if necessary.

Stability period

During this time (6-12 months and not shorter than the Standard Measurement Period), the employee is offered benefits if qualified. An employee’s offer and enrollment status is protected even if their hours drop below 30 per week until the Stability Period has ended and eligibility is determined again.

Final tips

Beginning the Standard Measurement Period and documenting the hours worked each week during that Period can help you navigate benefit eligibility questions for your hourly employees.

  • Identifying Full-time Employees – IRS.gov
  • What is a full-time equivalent employee?
  • Required Employee Benefits – SBA.gov

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How many hours does an employee have to work to get health insurance in Florida?

Lauren Perales

As an HR Advisor at Zenefits, Lauren provides guidance and best practices to companies of all sizes with any HR and compliance questions. In her spare time, she enjoys reading and chasing her three dogs around.

Is 32 hours considered full

Florida full-time employment is defined as an individual working a workweek of 25 hours or more. However, this term is generally reserved for insurance purposes. Many Florida employers classify employees as full-time if they work more than 32 hours per week.

Is working 32 hours part

A part-time worker is someone who works fewer hours than a full-time worker. There's no specific number of hours that makes someone full or part-time, but a full-time worker will usually work 35 hours or more a week.

Are employers required to provide health insurance in Florida?

In Florida, all employers with 50 or more full-time employees are required to offer some form of health insurance benefit. Once you have 50 employees, you are considered a large employer. This means that you may face penalties if you do not offer health insurance.

How many hours worked is considered full

It can average around 20 hours but can be less (or more). As a general rule, anyone working less than 40 hours per week may be considered part-time.