California health insurance  - Health insurance for restaurant employees

new to the menu - united health for national restaurant association

United works with National Restaurant Assocation for health insurance


Finally some good news for restaurants.


In the face of lots of bad news.


New rules on minimum wage.

Food prices going up.


Don't even bring up insurance costs!


Just when you're about to throw in the apron (bad pun, we know), there's some good news.

On the health insurance for restaurant employee front anyway.


Already offering coverage to your restaurant employees or want to as a way to keep the good ones in a tight labor market...we finally have an option.


If you need to get back to the 24-7 business, here's the main takeaway.


United is offering an Association plan to restaurant employees.


We're seeing savings of 30% against all other group health plans.




Even against United's standard plans.


That's a big number.


You can always request your quote right here:


Quote United Health with National Restaurant Association


Otherwise, let's dig a little deeper in the National Restaurant Association option.


We'll cover these areas for offering restaurant employee health insurance:



Lots to cover.


Lots to let's get started.


First the broad strokes.


Introduction to new United plan for restaurant and hospitality workers


This is probably the first big use of the expansion of Association health plans.


Association health plans allow carriers to offer special pricing to select groups of people.


In this case, it's restaurant and hospitality workers.


Why does this matter?

We're seeing discounts up to 30% versus the lowest priced plans on the market.

That's a huge deal for restaurants, bars, hotels...any company that serves food to the public.


Special pricing on health insurance for hospitality and restaurant workers.


This matters for one important reason.


The restaurant and hospitality sector has the highest rate of uninsured.

The market is incredibly price-sensitive.




Employers are looking for ways to offset absenteeism, turnover, business moral and culture.


It's just been to expensive till now for them to offer group benefits to employees.

Maybe not anymore.


You can quickly request a quote for the National Restaurant Association health plan here:


Quote National Restaurant Association health insurance rates


In a nutshell, we can get access to the following:


  • Full suite of United group health plans
  • Reduced pricing if eligible for restaurant and hospitality employees
  • Choice of networks with upwards of 900K in-network providers
  • Wellness, telemedicine, Latino benefit outreach, and more


This is a big deal in health insurance.

Let's look at the players.


Who is United Health and what is their relationship with the National Restaurant Association?


United health plans for hospitality workers


United is the largest single owned carrier in the United States.

They're generally top 3 in health insurance across all metrics.


Here are some of their key advantages:

  • Large, nationwide PPO network with over 900K providers
  • Only endorsed carrier for National Restaurant Association
  • Fully integrated online account services for employer and employees
  • Suite of services such as wellness, Latino benefit support, dental, vision, and life
  • Full array of plan options and design to help you meet your budgetary needs


It's not surprising that the National Restaurant Association picked United.


United is the currently the biggest and best for Nationwide coverage.


Maybe more importantly, they've been willing to try new things in order to bring down the cost of health insurance.

First we had the health insurance plans for engineering firms from United.


Now we have specialized options for restaurant and hospitality employees.


This is a much bigger deal though.

We're talking about millions of employees!


Speaking of which, who is the National Restaurant Association?


The National Restaurant Association


National Restaurant Association health plan


The other part of this, the NRA is one of the largest associations in the nation if not the world!


A few measurements:


  • Represents over 500,000 businesses in the hospitality sector
  • Started in 1919 and operated continuously
  • Sector includes over 14.7 Million workers in the US
  • Sales make up roughly $799 billion or 4% of the US GDP


They're a big deal.

Representing a lot of workers.


This sector also has the highest level of uninsured.


The United health plan partnership with the NRA and CRA is a perfect fit.


A need for affordable coverage and a specially priced option tailor made for hospitality employees.


NRA/CRA membership is required in order to enroll in the new United health plan.


This requires just over a 2% fee but if we're saving upwards of 30%, that's a small price to pay and it supports advocacy for your sector.


They also have a host of insight, benefits, and support to help restaurants function better and more profitably.


California Restaurant Association and United Health


Don't worry...California's not left out.


The California Restaurant Association is also partnered with United Health to offer this special suite of group health plans.


The same discounts up to 30% apply for California restaurants.


You can quickly run your quote here to see what the rates and plans look like.


Free quote for hospitality workers


There's no cost for this service.


100% free to you as licensed United agents with authorized access to this NRA/CRA plan.


If you already have United, you can even move to the new NRA/CRA health plan if eligible.


More detail on the California Restaurant Association plan here

How is United health able to offer this special pricing to the National Restaurant Association


Time travel.

Okay, just joking but sorta not.


Basically, the association health plans do not have the ACA requirements.


United is able to offer plans similar to what we had prior to 2014 when the Affordable Care Act or Obamacare was enacted.


That alone is a reason for the significant savings.


Upwards of 30%!


The differences will vary by State as some already had many of the protections.

California comes to mind.


One difference is that these plans are medically underwritten from 2-20 employees.


They can decline based on health of the group depending on size of the company.


We've had good success with underwriting though.

Most groups get approved so it's not a big deal.


From 21-99 employees, there is no medical undwriting!


When we send you the United NRA quote, you'll be able to see the differences in coverage.


Just run your National Restaurant Association United health quote.


Which businesses can qualify for the National Restaurant Association plans


It's not just restaurants.

Basically, a company that serves food to the public.


SIC Code Eligible: 5812, 5813, 7011, 7032 & 7041

  • 5812: Eating Places
  • 5813: Drinking Places (alcoholic beverages)
  • 7011: Hotels and Motels
  • 7032: Sporting & Recreational Camps
  • 7041: Organization Hotel and Lodging Houses, on membership basis


What about basis eligibility requirements?


Companies with 2 - 99 employees are eligible.

For larger companies, there are discounts available.


50% of the full time employees must participate.

That's a big one.


We can help you figure out the eligibility piece directly since every company's situation is different.


The employer has to be a member of the National Restaurant Association

We can sign up if you decide to enroll.


Those are the main requirements.


We are happy to walk through your company's situation at 866-486-6551 or by email.


United Health Latino Health Solutions option for restaurant and hospitality workers


Hispanics have accounted accounted for 56% of population growth in the US from 2000-2010.

Their important and impact in the restaurant and hospitality sector is primary in the US.


They are also one of the most underserved and underinsured segments of the population.


United decided to do something about this with the Latino Health Solutions program.

This will be especially useful with the National Restaurant Association plans.


The Latino Health Solution goes beyond spanish language support and documents!


United's PlanBien will be especially helpful in bridging the gap for this population.


PlanBien offers a full suite of bilingual, culturally relevant services, tools and resources especially designed for restaurants and hospitality businesses with Spanish-speaking employees.

United Health Latino Solutions and Plan Bien for restaurants


Here are the highlights for the National Restaurant Association


  • Access to dedicated, bilingual customer care professionals trained to understand the common doubts and hesitations that some Hispanics have about enrolling and using their health care coverage and who help our Hispanic members to better navigate their healthcare coverage benefits.
  • Online provider directories that indicate to our members the offices that provide Spanish-speaking doctors and/or staff.
  • Bilingual websites with an array of useful bilingual educational health and wellness brochures especially designed for Spanish-speaking employees, and which address common health issues of concern.
  • Web-based bilingual tools and resources such as podcasts, interactive health modules and biometric health calculators.


PlanBien SM is currently available in Arizona, California, Colorado, Florida, Illinois, New Mexico, Texas and Utah.


Networks for National Restaurant Association United plans


We have a choice of different United networks to meet every company's budget.


Everything from United's full PPO Choice network to narrow networks for discounted pricing.


This is very important.


When you run your quote, think about your ideal budget and we can then quote accordingly.


What size of business can participate in United plan


The size of your company affects the options and savings available:


  • 2-99 Employees - Fully insured group health plan with discounted costs
  • 101 or more Employees - up to 5% discount on medical rates
  • Large self-funded plans (100+ employee) - up to 5% discount on admin fees for new ASO medical
  • Any size company - Up to a 5 percent discount on specialty benefits products (dental, vision, life, disability, accident and critical illness) for fully insured groups in addition to all other discounts, including bundling benefits programs


We're happy to help you investigate how to get the most benefit for your size company.

Just call us at 866-486-6551, email us, or request your quote.

Typical savings for hospitality and restaurant employees


Every company is different but here's what we're seeing when we run proposals against existing group plans:


health insurance savings for hospitality companies


Up to 30% savings with United's National Restaurant Association plans


It's pretty impressive.


Hard to get excited about health insurance but we're...very...close!


Just run your quote here to see how it works for your company:


Quote United Health for restaurant employees


We'll turn around the proposal...usually in 24-48 hours during business time.

We're happy to help with any questions and the United option is available in most States.


There are additional savings for dental, vision, life, and critical illness but the real advantage is on the medical.


Pre-tax savings for employee contribution


What many restaurants do is to set a per-employee budget.

The employee can then pay the difference with pre-tax dollars!


This is done with an inexpensive POP 125.


  • The company saves on payroll tax
  • The employee saves on income tax


This can bring down an employee's share of the cost by 20-30% depending on tax bracket!


Close to a slam dunk as you can get.


The savings can usually beat tax credits offered by Obamacare depending on employee's household income and employer's contribution.


Talk to Starbucks employees on why they go to work and stay there.

Health insurance is generally in the top 3.


Sometimes #1.


You can use it to get the best people and keep them!
We can help you afford to do it!

How to Quote United with National Restaurant Association plans


It's easy.


Steps to quote United health with National Restaurant Association


  • Complete form here
  • Receive full proposal for you company generally in 24-48 hours
  • Call or email with any questions or assistance


That's it!

No cost for our services as licensed agents.  Zero!

We're happy to walk through any questions you have.


If we can save you up to 30% on your health plan costs, let's do it!


How to Enroll in United with National Restaurant Association plans


Once we know we can save you quite a bit on health care costs, how do you move forward?


With total support!

Get help quoting and enrolling in National Restaurant Ass plan


How to enroll in United through National Restaurant Association

  • Decide on plans and options with expert guidance
  • Receive full enrollment kit
  • Get step by step guidance on completion
  • Enroll in National Restaurant Association membership if not already a member
  • Get help with roll-out to all employees


The process differs depending on size of company.


Either way, we're here to guide you and take the heavy lifting off of you.


Since it's a special program, the underwriting is still manual.


Don't worry, we'll deal with the carrier, scrub the forms, and make sure it's set up correctly.


There's no cost for our services. Zero!


The rates are identical with us as direct but you'll have a 3rd part advocate.

Call us at , email us, or request your quote.


Wrap on NRA health plan through United health


This is a big deal.

For a big population.


We're very excited to finally have a way for restaurants to afford health insurance for their employees.


There's a lot of pressure on restaurants these days.


If we can carve out up to 30% on health care costs, offer the best carrier out there (United), and keep employees happier with their employer.

It's huge deal.


The easiest approach is as follows:

  • Estimate your ideal budget either by employee or for the whole company monthly
  • Complete the request for online quote here
  • Make sure to list any requests your have on the form


Let us get to work!


We'll go based on your budget to find all options that work within that number.


This usually works the best for restaurants and hospitals since cost is such a crucial issue.


Of course, we're happy to help at 866-486-6551 or by email.

You can request your United and NRA/CRA quote here.


No tip required. Our services are free to you!


Free assistance from United agent for NRA plan


You can run your Free United Health and National Restaurant Assocation Insurance Quote here to view rates and plans available under this special program.


Get information on Restaurant Group Purchasing Organizations here.


Again, there is absolutely no cost to you for our services.  Call 866-486-6551 Today!


 Follow on social media

Company health insurance tax credit
Call 866-486-6551

Our Services are FREE

Savings up to 30%

Quote new group health plans

Call 866-486-6551

Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
and more
Thousands of Californians
Hundreds of California Companies
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

Find out what customers are saying about our services

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

calhealth website

Our Services are FREE to You is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.