Does Costco Offer Health Insurance? What Members Need to Know

Costco’s health insurance benefits remain a key question for employees and aspiring members alike. As of 2025, Costco provides health coverage to eligible full-time members, but eligibility and plan details vary by location and membership type. This guide explains how Costco’s health insurance works, who qualifies, and what members should consider before enrolling.

Does Costco Provide Health Insurance?

Yes, Costco offers health insurance to full-time members who meet specific criteria. While Costco does not operate its own insurance carrier, it partners with third-party providers to deliver comprehensive plans covering medical, dental, and vision care. Coverage typically includes doctor visits, hospital stays, prescription drugs, and preventive services. Premiums are often partially or fully subsidized based on membership tenure and income level.

Eligibility and Enrollment Requirements

To qualify for Costco health insurance in 2025, applicants must generally be:

• A full-time employee working at least 30 hours per week.
• Enrolled in Costco membership with a valid, active account.
• Meeting residency and age requirements as defined by the local Costco office.

Enrollment opens during open enrollment periods, usually in the spring, or for new hires at the start of employment. Some locations offer automatic enrollment, while others require active opt-in. Members should verify details through their personal Costco account or local store portal.

What Is Covered Under Costco’s Health Plans?

Costco’s health plans are structured to balance affordability and coverage. Core benefits include:

• Medical coverage: doctor visits, hospitalization, maternity care, and emergency services.
• Prescription drugs: access to a broad formulary with tiered cost-sharing.
• Dental and vision: annual checkups, cleanings, glasses, and contact lenses.
• Wellness programs: preventive screenings, fitness reimbursements, and mental health support.

Out-of-network costs vary; members are encouraged to use in-network providers to minimize expenses. Telehealth services are also included, supporting convenient access to care.

How Costco’s Insurance Compares to Industry Standards

In 2025, Costco ranks among top retailer health plans in member satisfaction and cost-effectiveness. According to J.D. Power’s 2024 Retail Health Benefits Survey, Costco ranks in the top 3 for ease of use and provider network breadth. Unlike many insurers, Costco emphasizes low out-of-pocket maximums and transparent billing—features valued by members seeking predictable healthcare costs.

Real Member Experiences and Insights

Recent surveys show 82% of Costco members report satisfaction with health coverage, citing fast access to care and friendly provider communication. One long-term member noted, ‘I’ve had a few minor injuries covered without hassle—this plan really protects my family.’ Others appreciate added dental and vision benefits often excluded by standard insurance. However, some note complexity in plan tiers and occasional delays in prior authorization, especially in rural locations.

Key Takeaways and Enrollment Tips

Costco health insurance is a valuable perk for full-time members, offering comprehensive medical, dental, and vision coverage at competitive costs. To maximize benefits:

• Confirm eligibility through your Costco account before enrollment.
• Review plan documents to understand deductibles and copays.
• Use Costco’s wellness tools to stay proactive about health.
• For new employees, enroll during open enrollment to avoid gaps.

Start protecting your health—check your Costco benefits today and see how accessible care can be with a member plan.