Answer. In general, employers are free to offer health insurance to some groups of employees and not others, as long as those decisions are not made on a discriminatory basis. If the employer fails to provide the required coverage, it can be assessed a hefty penalty by the IRS.

How does insurance through an employer work?

Employer-sponsored health insurance is a health policy selected and purchased by your employer and offered to eligible employees and their dependents. These are also called group plans. Your employer will typically share the cost of your premium with you. Your employer often splits the cost of premiums with you.

Can an employer offer health insurance only to certain employees?

Answer. For example, employers can offer health insurance only to full-time employees, only to employees in certain job positions, only to salaried employees, or only to employees with higher seniority. However, groups must be based on a bona fide employment-based classification, and all similarly situated employees in a particular group must be…

What kind of health insurance can I get with no job?

COBRA may not be the cheapest health insurance option, but it can provide good coverage, depending on your needs. Many people don’t realize that they may be covered by their state’s workers’ compensation program. Your employer must offer you medical care under this program if you’re being treated for any work-related injury. 5

How can someone with no income get health insurance?

He is broke, no money except small jobs for family. His mother is supporting him with a roof over his head and food. Most people without income are covered by Medicaid. Marketplace coverage doesn’t help non-dependents with no income. That being said, you can call HealthCare.Gov or your state Medicaid office and most likely get him covered.

What happens to your health insurance if you leave your employer?

If you qualify, your employer is required to offer this coverage after you leave the company in certain cases. Your insurance will remain the same, but the cost will likely be different. When you work for an employer, they generally pay part of your health insurance premiums as a perk.