Quick answer
Yes. Most UPS employees are covered through Teamsters union health plans set by collective bargaining agreements, not a single UPS-wide policy. UPS describes the healthcare benefits offered to Teamsters-represented employees as coming with no premiums and low or no co-insurance and copays, though the exact plan and fund depend on your Teamsters local. For non-union and management roles, UPS’s careers site lists medical, dental and vision coverage but says benefits vary by role and location.
Key takeaways
- Nearly 80% of UPS’s U.S. employees are represented by unions, mostly people who handle or transport packages, according to UPS’s most recent annual report.
- UPS describes the healthcare benefits it offers Teamsters-represented employees as coming with no premiums and low or no co-insurance or copays.
- Part-time employees hired on or after August 1, 2018 become eligible for individual and dependent health coverage after nine months of active employment, under the national Teamsters-UPS contract.
- The current Teamsters-UPS agreement runs through July 31, 2028, so these terms should hold until the next contract is negotiated.
- UPS’s own careers site says its benefits, including medical, dental and vision, vary by role and location, so confirm the details with HR or your union local.
On this page
How UPS health benefits work
UPS employs both union and non-union workers, and its health coverage follows that split. Nearly 80% of UPS’s U.S. employees are represented by unions, primarily the Teamsters, and UPS participates in multiple trustee-managed health and welfare plans set up under those collective bargaining agreements.
For Teamsters-represented employees, UPS’s own materials describe the healthcare benefit as coming with no premiums and low or no co-insurance and copays. That’s how UPS describes the benefit; the union contract sets the actual terms, and UPS’s description doesn’t separate full-time from part-time employees. Some Teamsters locals administer their members’ health coverage through a fund called TeamCare, though the name and exact plan design can differ by local, so don’t assume every UPS Teamsters local uses the same fund or offers identical benefits.
| If you’re… | Your health coverage usually comes from… |
|---|---|
| A Teamsters-represented UPS employee | A health and welfare plan set under the national UPS-Teamsters contract, run through your local (some locals use a fund called TeamCare) |
| A non-union, management or corporate employee | UPS’s own plans, which its careers site says include medical, dental and vision; details vary by role and location |
Part-time employees
Part-time UPS employees hired on or after August 1, 2018 become eligible for individual and dependent or spousal health coverage after nine months of active employment, under Article 34 of the national Teamsters-UPS contract. That rule comes from a Teamsters Local 776 contract guide, and it applies to Teamsters-represented part-timers specifically.
If you aren’t eligible yet, or you’re in a non-union role without confirmed coverage, you have other options:
- A parent’s plan if you’re under 26; see how long you can stay on your parents’ health insurance.
- A Marketplace plan, where you may qualify for a premium tax credit if you’re not offered affordable coverage at work. See health insurance for individuals.
- Medicaid if your income is low; see health insurance for low-income families.
Other benefits UPS lists
- Tuition assistance: mentioned alongside healthcare for Teamsters-represented employees.
- Pension contributions: made on behalf of Teamsters-represented employees under the union agreement.
- General benefits: UPS’s jobs site lists healthcare, including medical, dental and vision, for employees, while noting benefits vary by role and location.
Job-based coverage vs. the Marketplace
If UPS or your union plan offers you coverage that’s affordable and meets minimum value, you usually can’t get a premium tax credit for a Marketplace plan instead. For 2026, coverage counts as affordable if your share of the premium for employee-only coverage is no more than 9.96% of your household income (10.22% in 2027). See can I get Marketplace coverage if my employer offers it. If you leave UPS, you can usually keep your plan for a while through COBRA, though you’ll pay the full premium yourself.
More employer guides: Amazon, Chick-fil-A, Chipotle, Costco, CVS, DoorDash, FedEx, Home Depot, Kroger, Lowe’s, Lyft, McDonald’s, Publix, Starbucks, Target, Uber and Walmart.
Not eligible for UPS coverage yet, or need a plan while you wait? Compare plans by ZIP code.
Frequently asked questions
Does UPS charge premiums for health insurance?
For Teamsters-represented employees, UPS describes the benefit as having no premiums and low or no co-insurance and copays. That’s UPS’s own description of the plan, and specifics can still differ by local, so confirm details with your union rep.
Do part-time UPS employees get health insurance?
Yes, if you’re a Teamsters-represented part-timer hired on or after August 1, 2018, you become eligible for coverage after nine months of active employment under the national contract.
Is UPS health insurance the same everywhere?
No. Union health and welfare plans are set up locally under the national agreement, so the fund, plan design and any waiting period can differ depending on your Teamsters local.
What if I’m not eligible for UPS health insurance yet?
You can look at a parent’s plan if you’re under 26, a Marketplace plan that may come with a premium tax credit, or Medicaid if your income qualifies.
Sources
Employer benefits change often, and union health plans differ by local. This article is general information based on UPS’s public statements and Teamsters contract materials, and is not affiliated with UPS or the Teamsters. Last reviewed September 2026.