2025 Part-time Worker Health Insurance Guide: The secrets to avoiding 9 common traps revealed!

As the labor and health insurance system continues to be optimized in 2025, the insurance rights and potential risks of part-time workers and wage earners are receiving more and more attention when choosing jobs or side income. Whether you work part-time every week, take on special projects, or hold multiple positions, being familiar with the latest rules on part-time labor and health insurance and carefully avoiding common pitfalls are the first steps to protecting your own rights. This news report will analyze the latest policies, digital data and cases of part-time workers' health insurance in the most practical way, and disclose the 9 most common traps and coping strategies in 2025.

Changes in health insurance regulations for part-time workers and the latest grading table for 2025

What is part-time worker health insurance?

"Part-time labor and health insurance" means that part-time workers must be included in the labor social security system with the assistance of their employers in accordance with the Labor Insurance Act and the National Health Insurance Act. Regardless of whether it is a full-time or part-time job, as long as the employment conditions are met and remuneration is actually paid, in theory, labor and health insurance must be applied for.

2025 Part-time Labor and Health Insurance Level Table

because Labor and health insurance premiums are calculated based on the insured salary range, the working population needs to have some understanding of the latest levels. The 2025 class schedule is as follows:

Form instructions: The employer bears most of the premiums separately, and the actual deduction amount still needs to be reviewed based on various identities and applicable regulations.

9 common labor and health insurance traps for part-time workers and how to solve them

Trap 1: Employers do not proactively apply for part-time workers' health insurance

Many part-time workers mistakenly believe that "working does not require health insurance" or that their employers do not actively assist in filing applications. In fact, once they meet the definition of the Labor Standards Act, they must purchase insurance in accordance with the law regardless of the length of their working hours. Tip: When you start working, take the initiative to confirm whether the company has insurance for you, ask for relevant certificates, and keep contract evidence.

Trap 2: Multiple part-time jobs leading to duplicate insurance or missed insurance

When working multiple jobs at the same time, most people think that they only need one labor insurance, but health insurance may lead to omissions due to different employer registration units. Tip: If you have multiple identities, please prioritize the employer with the most working hours as the primary insured unit, or coordinate and identify it with the competent authority in accordance with regulations.

Trap 3: Misclassification as self-employed operation

Many employers use "outsourcing" or "contracting" to avoid the obligation to apply for labor insurance, but when the actual work type is employment, they should still apply for employee insurance. Tip: The contract should clearly spell out the employment relationship and the scope of labor insurance, rather than simply relying on invoices or contract definitions to evade legal liability.

Trap 4: Short-term work-study programs are cut and insurance is difficult to connect to

Part-time workers with flexible shifts, seasonal workers, and short-term project work are often difficult to insure due to insufficient working hours, or there is a gap in health insurance connection when the work-study period ends. Tips: Ask your employer to stop insurance before leaving your job, and promptly transfer insurance back to your place of residence or continue the connection through the school health insurance to avoid interruption of insurance benefits.

Trap 5: Underreporting salary range, which harms future security

In order to save costs, some employers deliberately lower the insured salary range, resulting in a reduction in labor insurance and health insurance benefits. Tips: Insist on insuring according to actual salary, actively check the deduction details. If you find any abnormalities, you can report them to the Labor Bureau or the National Health Insurance Administration.

Trap 6: Mistakenly believing that you don’t need insurance if you receive your salary in cash

Some employers advertise Cash payment, no labor insuranceOr paying wages in cash to avoid government supervision, which is clearly illegal. Tip: Regardless of whether you receive cash or transfer money, as long as you are employed, you should strive for insurance rights and refuse zero-guaranteed working hours.

Trap 7: Injured worker finds out he or she is not covered by occupational accident insurance

Many part-time workers only realize they have not participated in occupational accident insurance when an accident occurs, which makes it difficult to claim compensation. Tip: Be sure to check whether your employer provides occupational hazards insurance, especially for part-time jobs with higher labor risks, such as food delivery, construction assistance, etc.

Trap 8: Not understanding the differences in health insurance between part-time workers and students

Most students who work short-term during the winter and summer vacations can temporarily purchase "student group insurance" or continue to maintain their student health insurance, but they should take the initiative to apply for transfer whenever they leave their job or change their status. Tip: Check your health insurance status regularly and report any special circumstances to the National Health Insurance Administration or school promptly.

Trap 9: Not honestly reporting taxes and social security on income from part-time jobs

As the government cracks down on tax evasion, failure to honestly declare side income may result in the collection of taxes and fines. Tip: All income—including part-time work, commissions, and affiliate marketing commissions—should be honestly recorded and declared in accordance with the law to avoid leaving a black tax record.

Q&A on Part-time Workers' Health Insurance

Under what circumstances is "part-time worker health insurance" mandatory?

Anyone who has a substantive employment relationship with an employer and receives salary according to the law, regardless of whether they are full-time, part-time, temporary or short-term, should be insured by their employer for "part-time labor and health insurance". Those who do not cooperate are breaking the law and workers can report to the local competent authorities.

What about health insurance for students, freelancers, and caseworkers?

• Students can participate in the school health insurance, or temporarily maintain their student status when temporarily changing jobs during the winter vacation.
• When you are working as a contractor or taking on freelance projects without an employer, you must return to your place of residence to purchase insurance or join a professional union to purchase insurance.

New trends in part-time job protection: platform economy and labor and health insurance

With the popularization of new work forms such as platform economy and affiliate marketing, many part-time workers are trying to earn multiple incomes in addition to their one job. For example:

AffiMarket: A win-win profit-sharing model in the promotion industry

AffiMarket Easy AllianceIt is an alliance marketing platform that connects promoters from Taiwan, the UK and internationally, aggregating merchants from multiple fields such as tourism, shopping, and AI tools, and combining promotion partners such as bloggers, KOLs, and YouTubers to jointly create profits through a cooperative profit-sharing model. By joining AffiMarket, you will not only enjoy free professional teaching and consultant assistance, but also be able to easily earn extra money at home. Special reminder: income from affiliate marketing is also considered a part-time job. It is recommended that you proactively declare your income and properly plan matters related to "part-time labor and health insurance."

Plan wisely to protect your salary and health rights

The part-time job industry has a bright future in 2025, but to protect your rights and interests you need to work hard on your own. Faced with the new labor and health insurance system and the trend of platform-based part-time work, do not ignore the details of "part-time labor and health insurance" and bravely fight against workplace traps. Proactively checking, keeping work records, and verifying insurance status and amounts are the best protection for your future career. Whether you are a slash youth, a temporary worker, or an alliance promoter, remember to "put security first and control risks yourself" so that you can start a new career life without worries!