What You’ll Learn

  • Fisher Investments, Posit, Kindred, NWEA, and USLI are among the companies that pay 100% of employee health insurance premiums.
  • A 100% employer-paid premium doesn’t necessarily mean free healthcare, since deductibles, copays, coinsurance, family and dependent care, and other costs may still apply.
  • Family coverage varies widely, with some employers paying a portion of dependent premiums and others covering the full cost.
  • Costco, IKEA, Lowe’s, Starbucks, The Baton Rouge Clinic, and USLI offer health insurance to eligible part-time employees.
  • You can research a company’s health benefits before applying by checking its careers page, benefits information, and current job postings.

Health insurance is a major part of your compensation, but the amount employers cover can vary significantly. Even two jobs with similar salaries can leave you with very different healthcare costs depending on the premiums, plan options, and family coverage offered.

Below, we’ll compare 20 companies with great health benefits, including those that pay 100% of employee premiums, help cover dependents, offer health insurance to part-time workers, and provide standout health benefits overall. We’ll also explain what 100% employer-paid insurance actually covers and how to evaluate health benefits as you look for a new job.

What Does “100% Paid Health Insurance” Actually Mean?

When a company offers 100% paid health insurance, it generally means the employer pays the full premium for an eligible employee’s health insurance plan. That doesn’t always mean all healthcare is free or that the company pays 100% of coverage for spouses, children, or other dependents.

Pay attention to these details when comparing employer health benefits:

  • Employee vs dependent coverage: An employer may pay 100% of the employee’s premium but require employees to pay some or all of the additional cost to cover a spouse, partner, or child. Some companies cover 100% of premiums for both employees and eligible dependents.
  • Plan restrictions: Fully paid coverage may apply only to a specific plan, such as a baseline high-deductible health plan (HDHP) or health maintenance organization (HMO). Choosing a different plan, such as a more expensive preferred provider organization (PPO), may require you to pay the difference.
  • HSAs, FSAs, and HRAs: Health savings accounts (HSAs) and flexible spending accounts (FSAs) let you set aside pre-tax money for eligible healthcare costs, while health reimbursement arrangements (HRAs) are funded by employers. HSAs require a qualifying HDHP and roll over each year, while FSAs generally don’t. Some employers also contribute to HSAs.
  • Out-of-pocket costs: A 100% employer-paid premium doesn’t necessarily cover deductibles, copays, coinsurance, prescriptions, or other healthcare expenses. Review the plan’s total costs, not just the monthly premium.
  • Part-time eligibility: Companies that offer health insurance to part-time employees may require you to work a minimum number of hours per week or meet an hours-based eligibility requirement before you qualify.
  • Waiting periods: Some employers offer health insurance from your first day of employment, while others require a waiting period before coverage begins.

Because benefits can vary by plan, location, employment status, and year, review the employer’s current benefits information and plan documents before assuming a company will cover your full healthcare costs.

20 Companies With Great Health Benefits At-a-Glance

Companies with great health benefits include employers that pay 100% of employee premiums, contribute toward family coverage, offer health insurance to part-time workers, or provide additional benefits such as mental health and fertility care.

Based on employer benefits information retrieved in September 2026, the comparison below shows how 20 employers stack up across these categories.

Note: ⎷ = verified benefit; ✕ = benefit not identified in public employer information.

Company100% Employee PremiumEmployer Contribution to Dependent PremiumsHealth Benefits for Part-Time Employees
American Medical Informatics Association (AMIA)⎷✕✕
Aulani, A Disney Resort & Spa⎷⎷✕
CBS²⎷✕✕
Costco✕✕⎷
Evio⎷⎷✕
Finit⎷✕✕
Fisher Investments⎷⎷✕
Golden Analytics⎷⎷✕
IKEA✕✕⎷
John Templeton Foundation⎷⎷✕
Kindred⎷⎷✕
Lowe’s✕✕⎷
Nuvalent⎷✕✕
NWEA (Northwest Evaluation Association)⎷⎷✕
Posit⎷⎷✕
Sempre Health⎷⎷✕
Starbucks✕✕⎷
The Arthur Companies⎷✕✕
The Baton Rouge Clinic⎷✕⎷
United States Liability Insurance (USLI)⎷⎷⎷

16 Companies That Pay 100% of Employee Health Insurance Premiums

Companies that pay 100% of employee health insurance premiums include Fisher Investments, Posit, Kindred, NWEA, and USLI. Some cover the full cost of employee-only medical insurance, while others also fully cover dental and vision premiums or contribute toward dependent coverage.

  • 1.

    AMIA: Pays 100% of employee medical premiums up to the cost of a Gold-level plan and 100% of employee-only dental and vision premiums

  • 2.

    Aulani, A Disney Resort & Spa: Pays 100% of medical and dental premiums for cast members and eligible dependents

  • 3.

    CBS²: Pays 100% of employee medical, dental, and vision premiums from the first day of employment

  • 4.

    Evio: Pays 100% of employee medical, dental, and vision premiums and 50% of dependent premiums

  • 5.

    Finit: Pays 100% of employee-only medical insurance premiums from the first day of employment

  • 6.

    Fisher Investments: Pays 100% of medical, dental, and vision premiums for employees and qualifying dependents

  • 7.

    Golden Analytics: Pays 100% of employee medical, dental, and vision premiums and 50% of dependent premiums

  • 8.

    John Templeton Foundation: Pays 100% of employee healthcare premiums and contributes toward family premiums

  • 9.

    Kindred: Pays 100% of employee medical, dental, and vision premiums and 85% of dependent premiums

  • 10.

    Nuvalent: Pays 100% of monthly medical, dental, and vision premiums

  • 11.

    NWEA: Pays 100% of medical, dental, vision, and prescription premiums for eligible employees and 25% of dependent premium costs

  • 12.

    Posit: Pays 100% of medical, dental, and vision premiums for employees and their families

  • 13.

    Sempre Health: Pays 100% of employee medical, dental, and vision premiums and 90% of dependent premiums

  • 14.

    The Arthur Companies: Pays 100% of employee medical insurance premiums

  • 15.

    The Baton Rouge Clinic: Pays 100% of the employee-only medical premium for employees working at least 20 hours per week after five months of continuous employment

  • 16.

    USLI: Pays 100% of monthly medical premiums for full-time employees and their families with no waiting period, 80% of medical premiums for eligible part-time employees averaging at least 25 hours per week, and 90% of dental premiums

10 Companies That Cover Dependents & Family Premiums

Companies that help cover health insurance for employees’ families include Aulani, Fisher Investments, Posit, USLI, Kindred, and more, as listed below. Some pay 100% of premiums for eligible dependents, while others contribute a percentage toward the cost of adding a spouse, partner, or child to an employee’s plan.

  • 1.

    Aulani, A Disney Resort & Spa: Pays 100% of medical and dental premiums for eligible dependents

  • 2.

    Evio: Pays 50% of medical, dental, and vision premiums for dependents

  • 3.

    Fisher Investments: Pays 100% of medical, dental, and vision premiums for qualifying dependents

  • 4.

    Golden Analytics: Pays 50% of medical, dental, and vision premiums for dependents

  • 5.

    John Templeton Foundation: Contributes toward family healthcare premiums

  • 6.

    Kindred: Pays 85% of medical, dental, and vision premiums for dependents

  • 7.

    NWEA: Pays 25% of medical, dental, vision, and prescription premium costs for dependents

  • 8.

    Posit: Pays 100% of medical, dental, and vision premiums for employees’ families

  • 9.

    Sempre Health: Pays 90% of medical, dental, and vision premiums for dependents

  • 10.

    USLI: Pays 100% of monthly medical premiums for full-time employees’ families

6 Companies That Offer Health Insurance to Part-Time Employees

Companies that pay health insurance for part-time employees include Costco, IKEA, Lowe’s, Starbucks, The Baton Rouge Clinic, and USLI. Eligibility varies by employer, and some companies require part-time employees to work a minimum number of hours before they qualify for coverage.

  • 1.

    Costco: Offers part-time employees healthcare coverage with low out-of-pocket premiums and copays, including medical, dental, vision, pharmacy, and hearing benefits, with spouses, children, and domestic partners also eligible for coverage

  • 2.

    IKEA: Offers medical and prescription coverage to regular part-time employees working at least 20 hours per week, along with dental and vision plans and 24/7 telehealth

  • 3.

    Lowe’s: Offers medical, dental, and vision insurance to all regular part-time associates

  • 4.

    Starbucks: Offers medical, dental, and vision insurance to eligible mainland U.S. part-timers and dependents, requiring 240 hours over three months to qualify (effective the first day of the second month following) and 520 hours every six months to stay eligible 

  • 5.

    The Baton Rouge Clinic: Pays 100% of the employee-only medical premium for employees working at least 20 hours per week after five months of continuous employment

  • 6.

    USLI: Pays 80% of medical premiums for part-time employees averaging at least 25 hours per week, with eligible part-time employees also able to enroll in voluntary dental and vision coverage

7 Companies With the Best Health Insurance Benefits Overall

Some companies with the best health benefits on this list include Costco, Fisher Investments, Golden Analytics, Kindred, Posit, Starbucks, and USLI—though the best option for you will depend on your healthcare and coverage needs.

These employers stand out for offering a combination of fully or heavily employer-paid premiums, family coverage, part-time health benefits, mental health care, fertility and family-forming support, and other health and wellness benefits.

  • 1.

    Costco: Offers healthcare to full-time and part-time employees with low out-of-pocket premiums and copays, including medical, dental, vision, pharmacy, hearing, and behavioral health benefits, with coverage also available for eligible spouses, children, and domestic partners

  • 2.

    Fisher Investments: Pays 100% of medical, dental, and vision premiums for employees and qualifying dependents, plus provides up to $10,000 in fertility, family-forming, and hormonal health assistance

  • 3.

    Golden Analytics: Pays 100% of employee medical, dental, and vision premiums and 50% of dependent premiums, plus offers mental health resources, a 24/7 nurse line, and up to $1,000 per year in wellness rewards

  • 4.

    Kindred: Pays 100% of employee medical, dental, and vision premiums and 85% of dependent premiums, plus provides a $10,000 family-planning stipend for fertility treatment, adoption, and surrogacy

  • 5.

    Posit: Pays 100% of medical, dental, and vision premiums for employees and their families, with health plans that also include fertility care, mental healthcare, and gender-affirming care

  • 6.

    Starbucks: Offers medical, dental, and vision coverage to eligible part-time employees and their eligible dependents, plus 20 free mental health coaching or therapy sessions per fiscal year for employees and eligible family members and support for fertility treatment, adoption, and surrogacy

  • 7.

    USLI: Pays 100% of medical premiums for full-time employees and their families with no waiting period, 80% of medical premiums for eligible part-time employees averaging at least 25 hours per week, and 90% of dental premiums

How to Find Out What a Company Pays Toward Health Insurance

You can find out what a company pays toward health insurance by checking its benefits information, reading job postings closely, and asking specific questions during the hiring process. Even when an employer doesn’t publish exact costs, you can usually get the information you need before accepting an offer.

  • magnifying

    Look for Key Benefits Details on the Company’s Website and Job Postings

    Start with the employer’s careers and benefits pages and current job postings. Look for specific details about:

    • Employer premium contributions: The percentage the employer pays for employee-only and dependent or family coverage
    • Plan options: Available HMOs, PPOs, or HDHPs and whether fully paid premiums apply only to a specific plan
    • Out-of-pocket costs: Deductibles, copays, coinsurance, prescription costs, and out-of-pocket maximums
    • Eligibility requirements: Waiting periods, minimum weekly hours, location restrictions, and other requirements for coverage
    • HSA or HRA contributions: How much the employer contributes to eligible accounts

    Be cautious with broad phrases such as “comprehensive health insurance” or “competitive benefits.” They tell you that coverage exists, but not how much of the premium the employer pays or what you’ll pay when you use your insurance.

  • star

    Use Employee Reviews as Additional Context

    Employee review sites can provide clues about healthcare costs and employees’ experiences with a company’s benefits, but don’t treat individual reviews as definitive. Plans and employer contributions can change over time and may vary by location, employment status, or plan year. Verify important details through current employer benefits information or directly with the recruiter.

  • speech

    Ask About Health Insurance During the Hiring Process

    Once you’re further into the interview process or discussing an offer, you should ask the recruiter or hiring manager for specific information about premium costs, dependent coverage, plan options, and eligibility.

    Before accepting an offer, request the plan’s Summary of Benefits and Coverage (SBC) or other benefits documentation. The SBC can help you compare deductibles, copays, coinsurance, out-of-pocket limits, and other costs that aren’t reflected by the monthly premium alone.

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    Compare Health Benefits With Salary

    Once you know what you’ll pay for healthcare, factor those costs into the rest of the compensation package. Use Monster’s job search to find and compare opportunities, then consider salary alongside premiums, deductibles, employer contributions, and other benefits. A higher salary may not be the better-paying offer if significantly higher healthcare costs eat into the difference.

Even a high salary can lose some of its value when you’re paying thousands of dollars a year for health insurance. A company that pays your full premium, contributes toward family coverage, or offers lower out-of-pocket costs could leave you paying much less for healthcare. As you compare opportunities, consider health benefits alongside salary to get a clearer picture of what each job is really worth and find the companies with the best health insurance benefits for you.

Frequently Asked Questions

What companies pay 100% of health insurance?

Companies that pay 100% of employee health insurance premiums include Fisher Investments, Posit, Kindred, NWEA, USLI, Aulani, and others. Coverage varies by employer. Some pay the full premium only for employees, while others also pay some or all of the cost of coverage for eligible dependents.

Is employer-paid health insurance taxable?

Employer-paid health insurance is generally not taxable to employees. Under federal tax rules, employer contributions toward qualifying health insurance premiums are typically excluded from an employee’s taxable income.

Certain situations and benefits may be treated differently, so employees should review their plan information or consult a tax professional for questions about their specific coverage.

Do any companies cover health insurance for part-time employees?

Yes. Companies that offer health insurance to eligible part-time employees include Costco, IKEA, Lowe’s, Starbucks, The Baton Rouge Clinic, and USLI. Eligibility varies by employer and may depend on factors such as average weekly hours, length of employment, and location.

How much do employers usually pay toward health insurance?

According to KFF Employer Health Benefits Survey data, employers usually pay most of the cost of employee health insurance. In 2025, workers with employer-sponsored coverage paid an average of 16% of premiums for individual coverage and 26% for family coverage, meaning employers covered about 84% and 74%, respectively. Employer contributions vary by company, plan, and coverage level.

Kirsten Chorpenning profile image
Kirsten Chorpenning Career Advice Writer

Kirsten Chorpenning is a career advice writer who empowers job seekers to take control of their career paths using Monster’s comprehensive job search and resume tools. She specializes in helping job seekers find rewarding jobs in today’s dynamic work environment.

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