When you find a job through a staffing company, the company you will be working for pays the staffing company a contracted rate. Your staffing agency then pays you your wages. So, when you obtain a job through a staffing agency, you do not receive the company’s benefits because the staffing company technically employs you. Staffing companies may provide certain benefits to temporary workers, including health insurance.
Staffing agencies do offer their employees health insurance, although the law does not require them to do so. The solution has typically been the use of short-term health insurance plans that offer coverage for up to 12 months. For those workers who continually work in temporary positions, the purchasing of an individual health insurance policy is another option to consider. Companies are trying to cut healthcare costs by hiring more temporary workers and offering fewer health benefits.
The Affordable Care Act
The Affordable Care Act (ACA) now requires staffing agencies with over 50 full-time employees to provide healthcare benefits. The ACA defines full-time workers as those who average at least 30 hours per week over the course of a month or at least 130 hours in a calendar month. Any employers who classify themselves as staffing firms but do not contract with a third party to provide health insurance will face examination by the US Department of Labor.
Check Your Compensation Package
Before you choose to work for a staffing company, it is essential to check the compensation package. Check the extent of the healthcare cost contribution. Some companies may not contribute to benefits at all, offering a group plan you can purchase for yourself. The contribution amounts vary, depending on the size of the staffing agency. There are no legal requirements, so health insurance plans on temporary contracts are typically short-term. If you intend to work for a staffing company longer than a year, consider purchasing an individual policy.
Consider Purchasing an Individual Plan
Due to ACA reforms, temporary workers are on the rise. Large companies with more than 50 employees are hiring more part-time employees to avoid healthcare contributions. Because of this, the purchasing of individual plans is increasing. The good news is that multiple options allow you to tailor a plan to meet your unique healthcare needs. These plans are often cheaper than the coverage your employer would provide.
CnStaffing offers health insurance and a lot more. It does not matter if you are just out of school, or a seasoned healthcare worker, CnStaffing can help you advance your career. Located in Dallas, Texas, CnStaffing is a healthcare and medical employment agency that can connect you with your next healthcare position. Contact the staffing professionals at CnStaffing today.