ACA marketplace plans for workers under 30 hrs/week, variable schedules, and multi-job workers — with subsidy analysis and free licensed-advisor support.
Built for the 38M+ Americans on variable hours
Trusted by hourly workers across
Each plan below is filtered for one thing — does it work when your hours change every week? If it doesn't, we don't show it.
ACA marketplace plans that don't care how many hours you worked last week. Subsidies that adjust to a low-income year — automatic re-enrollment if your hours stay variable.
Dental plans you can start, pause, or restart by the month. Cleanings on the weeks you work, no premiums on the weeks you don't.
Exams, frames, and contacts on a plan priced for hourly budgets. Use it on a payday week, keep it paused on a slow one — your benefits, your tempo.
You just lost a seasonal contract. A new gig starts in three weeks. Don't go uninsured for the gap — short-term and accident plans bridge you without locking you in.
Two adults, three jobs between you, kids on top. Family ACA plans calibrated for households whose combined income changes by the month.
You're a small business with mostly part-time staff. Skip the 30-hour benefits cliff — reimburse each hourly worker for an individual plan with an ICHRA.
Traditional employer health plans assume a 40-hour week and one steady paycheck. Four out of ten American workers don't live there. Flex Hour Health is built for the other forty percent.
Most part-time hospitality workers qualify for subsidies that cut premiums to $0–$80/month and reduce deductibles by 50–73%.
No long form. No paperwork stack. A scheduling flow that respects your shift calendar instead of fighting it.
A 3-question opener: how many hours you work in a typical week, how variable it gets, and whether you stack jobs. That's enough to filter out plans built for salaried life.
Pick a slot — mornings before shift, late evenings after closing, Saturdays. A licensed advisor (real human, no script) walks the marketplace with you live.
Side-by-side comparison filtered for: no minimum-hour requirements, accurate subsidy at your real income, and the ability to pause / restart between contracts.
We submit, the carrier issues your member ID, and your coverage starts the 1st of next month. Your advisor stays on file for renewals, claims, and life changes.
We started this brand because the existing system asks a 25-hour-a-week worker to apply through a portal designed for 40-hour-a-week salaried life. That's a category error. Every pillar below exists to fix it.
Most employer plans cut you off below 30 hours a week. Every plan we surface works whether you clocked 8 hours last week or 38.
Your hours dipped this month? Your plan doesn't. Premium drafts on a steady date, subsidies adjust automatically when your income changes.
Two part-time jobs and a side gig? One plan covers all of it — and your subsidy is calculated on combined income, not whichever W-2 came first.
Seasonal gap coming? Pause your dental and vision for the off-season — restart in 60 seconds when your contract starts back up.
You don't shop for a plan by metal tier — you shop by what your schedule actually looks like. Pick the hour band you live in and we'll narrow the marketplace from there.
For students, second-job earners, and steady part-timers.
The variable-hour sweet spot. Most of our members live here.
When 'part-time' adds up to full-time, on three different W-2s.
*Starting premiums after estimated subsidy. Actual cost depends on ZIP, age, household, and reported income. We confirm before you enroll.
Every quote below is from a member whose hours move. The hour-band badge is the actual pattern they were working when they enrolled.
30 hrs · 2 jobs“I clock 22 hours at the café and another 8 tutoring on weekends. Every plan I looked at on my own assumed I worked 40 hours somewhere. Flex Hour Health found me a Silver plan that costs $14 a month after subsidy.”
Sarah K.Barista + Tutor, Portland OR
Variable · 1099“Lyft during the week, DoorDash on weekends, no employer in sight. My income changes by $800 month-to-month. My advisor built a plan around that reality instead of pretending it doesn't exist.”
Marcus T.Rideshare + Delivery, Atlanta GA
32 hrs · 3 schools“I'm an adjunct at three different colleges. Combined I teach more than full-time, but none of them offer benefits. I'd been uninsured for two years. Enrolled in 11 minutes on a Sunday evening call.”
Dr. Priya N.Adjunct Professor, Boston MA
Seasonal · 2 contracts“Ski instructor November to April, landscaper May to October, four weeks off in between. They actually set up a plan I can pause for those four weeks and restart without re-applying. That's never happened to me before.”
Jamie R.Seasonal Worker, Denver CO
28 hrs · 1 job“Worked retail my whole adult life — always under 30 hours so I'd never qualify for the store's benefits. I didn't know I qualified for a $0 premium plan until I called these folks. I'd been paying $189/month direct to a carrier.”
Diane M.Retail Associate, Phoenix AZ
Per-diem · variable“Home health aide on a per-diem schedule. My agency offers nothing. They walked me through pediatric dental too — added it for $19 and I covered my daughter's appointment the next week.”
Yolanda B.Per-Diem Aide, Houston TX
A few quick questions. A licensed Flex Hour Health advisor or one of our marketing partners will reach out with plan options that match your needs.
We'll tailor your options based on who needs coverage.
Grouped by what's actually on your mind — eligibility, gaps, subsidies, and the plan mechanics that change when your hours do.
Yes. ACA marketplace plans (and every plan Flex Hour Health shops) have no minimum-hour requirement. The 30-hour cliff only exists inside employer-sponsored coverage. You qualify as long as you're a U.S. resident, not incarcerated, and not currently enrolled in Medicare. Variable schedules are explicitly welcome.
No. Once you're enrolled in a marketplace or off-exchange plan, coverage is independent of how many hours you work or whether you're employed at all. You can drop from 32 hours to 8 hours to zero and back to 30 without affecting eligibility. Your premium is fixed at enrollment and only changes during open enrollment (or a qualifying life event).
If neither job offers benefits (typical for part-time work), you go straight to the ACA marketplace and combined income across both jobs determines your subsidy. If one job offers "affordable" coverage as defined by the IRS (under 8.39% of household income for 2025), you may be ineligible for marketplace subsidies — but Flex Hour Health runs that calc for you on the call.
Two paths. (1) An ACA plan started during open enrollment or a qualifying event covers you indefinitely — gaps don't disqualify you. (2) For a true short bridge, a short-term medical plan can start in 24 hours and run 30–364 days. We don't recommend short-term as a primary plan, but it's a real tool for a 6-week gap.
Standalone dental and vision plans through our network can be paused and restarted month-to-month. ACA major medical plans cannot be paused — but you can cancel and re-enroll during a special enrollment period (which losing seasonal employment may trigger). For predictable seasonal gaps, an ICHRA-paired plan or short-term bridge is often the cleaner answer.
Yes for short-term medical and accident plans — coverage can begin in 24 hours after enrollment. ACA marketplace plans typically start the 1st of the following month, with a 15th-of-the-month cutoff. Losing job-based coverage triggers a 60-day special enrollment period that often includes the option to backdate to the loss date.
Subsidies are based on your *estimated annual* household income, not last month's paycheck. You give the marketplace a reasonable year-end estimate; we recommend re-estimating quarterly if your hours fluctuate. If you over-earn, you reconcile at tax time; if you under-earn, you get the additional subsidy as a refund. Your advisor sets up a quarterly reminder by default.
Members on our Flex Standard tier average $38/month after subsidy. Members earning under 150% of the federal poverty line (about $22,590/year for a single person in 2025) frequently qualify for a $0-premium Silver plan with extra cost-sharing reductions. We surface this on the call — it's the single most common surprise for new members.
The three tiers are filters, not separate insurance products. Flex Lite surfaces Bronze and Silver ACA plans suited to under-20-hour workers with low predicted income. Flex Standard adds Gold plans and bundled dental/vision for 20–34 hour workers. Flex Pro adds HSA-eligible HDHPs, family coverage, and multi-employer income handling for stacked-job households.
Yes — every ACA-compliant plan covers all 10 essential health benefits: ambulatory services, emergency care, hospitalization, maternity and newborn care, mental health and substance use, prescription drugs, rehabilitative services, lab tests, preventive care, and pediatric services (including dental and vision for kids). No carrier we work with skips these.
A significant income increase is a qualifying life event — you can switch to a higher-tier plan within a 60-day special enrollment window. Your advisor handles the switch and the subsidy reconciliation in one call. You don't lose your deductible progress within the same carrier when stepping up a metal tier mid-year.