Coverage for the people who serve everyone else.
Private PPO health insurance for restaurant, bar, and hospitality workers and owners — flexible plans for variable schedules.
- No set hours required
- Year-round enrollment
- Plans for variable income
- Nationwide PPO access
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Hospitality
Health insurance for restaurant and hospitality workers
Hospitality work often comes without benefits and with hours that change week to week. Private PPO plans offer flexible, year-round coverage for servers, cooks, and venue owners alike.
The Difference
Why a private PPO can be the smarter move
No Benefits, Variable Hours
- Often no employer plan
- Hours change seasonally
- Tipped, variable income
- Open-enrollment limits
Private PPO
- No set hours required
- Year-round enrollment
- Plans for variable income
- Nationwide PPO access
Works With Your Schedule
Coverage that doesn't depend on full-time hours.
For Staff and Owners
Whether you serve or run the place, there's a plan for you.
Year-Round
Get covered any time — not just in a fixed window.
Health insurance for restaurant and hospitality workers
Restaurant and hospitality jobs — servers, bartenders, cooks, hosts, hotel and event staff — often come without benefits, or with hours that swing too much to keep employer coverage. For part-time, tipped, and seasonal hospitality workers, a private PPO plan is a practical way to get covered on your own terms: it does not require full-time hours, it enrolls year-round, and the coverage is yours no matter where you pick up shifts.
Coverage that does not depend on full-time hours
One of the biggest problems in hospitality is that hours change week to week, which can knock you off an employer plan. A private PPO does not tie eligibility to a set number of hours — it is based on your age, location, and health — so your coverage stays steady even when your schedule does not.
- No full-time-hours requirement to qualify
- Coverage you keep across restaurants, hotels, and gigs
- Year-round enrollment, not just an open-enrollment window
- Nationwide network with no referrals
What hospitality workers pay
Premiums depend on your age, your state, and the plan you choose. If your income is lower, a Marketplace plan with subsidies may be the most affordable route; a licensed advisor will tell you honestly which option costs less. Compare total yearly cost, including the deductible, rather than the monthly premium alone.
How to get covered
Share the doctors and prescriptions you want to keep, and a licensed advisor will compare private PPO options for your ZIP code against any Marketplace subsidy you would qualify for — free, and with no obligation to enroll.
How Does Your Plan Compare?
Private PPO vs. a typical Marketplace plan
Examples shown for illustration only. Plans, pricing, and eligibility vary by state and individual circumstances.
Real Coverage, Real People
Built for restaurant and hospitality workers
Flexible private PPO coverage that fits how you live and work.
FAQs
Frequently asked questions
Yes. Whether you're a server, cook, or own a venue, private PPO plans are available without an employer plan.
Private plans don't require set hours, so they work well with the variable schedules common in hospitality.
Yes — tipped and hourly workers can apply for private coverage based on standard eligibility factors.
Ready to find the right health insurance for you?
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