Part time job with medical benefits

[vh3536]

I’m 62, in good health in need of a part time job with medical benefits. I’ve been a CNA for years. But I’m caught in that middle area for benefits. I get widow benefits (ss) & am only allowed to work part time (money limit) until 65. Part time CNA have no benefits, so it’s Obama care, which is sky high monthly & deductible & nothing covered till meet deductible. Not eilgable for Medicare yet, hip (healthy Indiana insurance, make to much on pt & ss) I want to move to South Bend to be near family but unable to find a pt job with benefits. Any ideas??

[GailL1]

---

@vh3536 wrote:

I’m 62, in good health in need of a part time job with medical benefits. I’ve been a CNA for years. But I’m caught in that middle area for benefits. I get widow benefits (ss) & am only allowed to work part time (money limit) until 65. Part time CNA have no benefits, so it’s Obama care, which is sky high monthly & deductible & nothing covered till meet deductible. Not eilgable for Medicare yet, hip (healthy Indiana insurance, make to much on pt & ss) I want to move to South Bend to be near family but unable to find a pt job with benefits. Any ideas??

---

it is not a matter of being allowed but a decision you need to make based on pure numbers.  You can make up to (2018) $ 17,040 before your SS widowers benefit is reduced.

Any earnings which you have will be added to your own working benefit and could produce a higher benefit for you when you reach your full retirement age or better yet, when you reach 70 when your own benefit will stop growing.

Social Security.gov - Getting Benefits While Working

As for your health coverage, there are premium credit subsidies available to people who make below 400% of the Federal Poverty level and select an ACA exchange health insurance plan.  Pick a plan that has the lowest deductible and then see what the subsidized premiums will be - you can do this on healthcare.gov or on your state exchange if they have a separate one.

If your income is above that, you can pick a health insurance plan either on or off the exchange which meets your needs because you won't get a premium tax credit subsidy.

I believe you mean that your income precludes you from getting Medicaid, not Medicare, because Medicare would be available to you at 65 years young.

[ManicProgressive]

Have you tried calling insurance companies and asking if they write policies off the Obamacare exchange?  They do around here.   

Some large employers who provide health insurance to part-time workers are:

Whole Foods
Costco

Lowes

Starbucks

REI