High turnover and thin margins make benefits feel out of reach for restaurants. We find affordable group and level funded plans that help you keep your best managers and staff without breaking the budget.
Restaurants live and die by their team, yet margins leave little room for expensive benefits. The right plan structure changes that math.
We lean on level funded and ICHRA options that keep costs predictable, plus guidance on which staff you are required to offer coverage.
There is no single right plan. We compare every structure and show you the real numbers so you can pick what fits your team and budget.
The traditional group plan. Predictable monthly premiums, strong carrier networks, and simple administration for your team.
Most familiar
Fixed monthly cost with a potential refund if your team stays healthy. Often the best value for younger, healthier groups.
Cost savings
Reimburse employees tax free for individual plans they choose. Budget control for you, flexibility for your team.
Flexible budget
Round out your package with ancillary benefits that cost little but mean a lot when recruiting and keeping staff.
Complete packageWhether you run one location or several, here is what we help solve for restaurant owners.
Every dollar counts. We find structures like level funded that cut cost without cutting coverage.
Benefits help you keep the managers and key staff who hold the place together.
Hours and pay shift constantly. We set eligibility rules that fit how restaurants run.
Cross 50 full-time staff and rules change. We help you stay compliant without overpaying.
A quick call about your team size, budget, and what you want the plan to do for you.
We pull quotes across every major carrier and plan structure, side by side with real numbers.
You choose the plan that fits. We handle enrollment, employee questions, and the paperwork.
We manage renewals, adds and drops, and keep your costs in check year after year.
Real pricing depends on your team, location, and plan, but here is a realistic range so you know what to expect. Most employers cover part of the premium and employees pay the rest.
| Coverage | Typical Monthly Range | Notes |
|---|---|---|
| Per employee, single | $350 to $650 | Split between employer and employee |
| Level funded group | Often 10 to 30 percent less | Possible refund if claims stay low |
| ICHRA | You set the budget | Reimburse a fixed amount tax free |
| Dental and vision add-on | $8 to $30 per person | Low cost, high impact for retention |
"I assumed I could not afford benefits. A level funded plan proved me wrong and my chef finally stopped looking elsewhere."
"Three locations, lots of part-timers. VS Health Benefits sorted out who I had to cover and found a plan that worked."
"Quick, clear, and free. They handled my staff's questions so I could stay in the kitchen."
Yes. Restaurants with as few as two employees can qualify for group or level funded coverage. Level funded plans are often the most affordable route for a healthy team.
Generally you offer coverage to full-time staff, defined as 30 or more hours per week on average. We help you track hours and decide who is eligible without overcommitting.
Single coverage commonly runs about 350 to 650 dollars per month and is usually split with the employee. Level funded options can lower that for a healthy team. We show exact numbers free.
A level funded plan has a fixed monthly cost and can return money if your team stays healthy. For younger, healthier restaurant teams it is often the best value.
Group coverage can be set up any time of year. There is no open enrollment window to wait for like there is with individual plans.
Free consult. No pressure. No fees. We do the comparison for you and handle the setup. Restaurant in South Florida? See our dedicated Miami & Fort Lauderdale restaurant health insurance page.