Coverage for the people who work while everyone else is off
Hospitality runs on part-time schedules, tips, and seasonal swings — the exact things that keep employer coverage out of reach. Private PPO plans work on your hours and your budget, not a corporate eligibility rule.
How many people in your household need health insurance coverage?
Including yourself.
The usual problem
- Hour thresholds that keep benefits just out of reach
- Tipped income that complicates subsidy paperwork
- Seasonal and high-turnover schedules
- Owners who can't afford a group plan for staff
The private PPO answer
- No hour minimums. Your eligibility doesn't depend on hitting 30 hours a week.
- Premiums that respect a budget. Pick a deductible-premium mix that works on real hospitality income.
- Enrollment on your schedule. Sign up any month — including mid-season.
Health insurance for California hospitality workers
Restaurants and hotels employ more Californians than almost any other industry — and insure fewer of them. Eligibility thresholds, split shifts, and seasonal cuts mean even full-time-feeling jobs often come without coverage.
Private PPO plans don't ask about your hours. They price on your household, enroll year-round, and come with a licensed advisor who explains everything in plain language — no insurance jargon, no pressure.
What happens when you reach out
Answer three quick questions and a licensed California advisor gives you a call — before your shift or after close, whatever works. From there they handle whatever you need, free.
Frequently asked questions
My employer offers a plan but I don't qualify — can I still get covered?
Yes. Private plans don't depend on your employer's eligibility rules. You can enroll directly regardless of your hours.
Does tipped income affect my premium?
No. Private plan premiums are fixed at enrollment — there's no income verification or subsidy reconciliation.
I own a small restaurant — can my staff get covered?
Each team member can enroll in their own private plan with free advisor guidance, without you taking on a group plan's cost and paperwork.