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The issue in the US is that often part time jobs do not include health care, so switching to 4x32 is not something I've really considered.



I'm not an employment expert, but I believe that in the US, jobs of more than 30 hours per week come with benefits. I don't know if that's a legal requirement or just a custom.


US employers are not technically required to offer subsidized health insurance. Although, it is usually cheaper for employers with more than 50 full time (30 hours per week) or full time equivalent employees to offer the subsidy rather than paying the “shared responsibility payment”. See #1.

https://www.irs.gov/affordable-care-act/employers/questions-...

> Under these provisions, certain employers (called applicable large employers or ALEs) must either offer health coverage that is “affordable” and that provides “minimum value” to their full-time employees (and offer coverage to the full-time employees’ dependents), or potentially make an employer shared responsibility payment to the IRS, if at least one of their full-time employees receives a premium tax credit for purchasing individual coverage on a Health Insurance Marketplace (Marketplace), also called the Exchange.


So 30 hours/week is a legal threshold for being in the "full time" category.


Basically, but just working 30+ hours per week does not mean an employer will offer subsidized health insurance. Small employers (franchised businesses, "mom and pop" businesses) will often times not offer any subsidized health insurance to any employee, since they do not meet the 50 FTE requirement to be subject to the shared responsibility payment.




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