Only employees of specific public and nonprofit employers are eligible to participate in 403(b)s, as are some ministers. You may have access to a 403(b) plan if you’re any of the following:
• An employee of a tax-exempt 501(c)(3) nonprofit organization
• An employee of the public school system, including state colleges and universities, who is involved in the day-to-day operations of the school
• An employee of a public school system organized by Indian tribal governments
• An employee of a cooperative hospital service organization
• A minister who works for a 501(c)(3) nonprofit organization and is self-employed, or who works for a non-501(c)(3) organization but still functions as a minister in their day-to-day professional life