Can I keep my doctor with private PPO health insurance?

Yes. We verify your doctors are in-network before you enroll. Our licensed advisors only recommend health insurance plans that include your providers when available.

What is a private PPO health insurance plan?

Private PPO plans are off-exchange health insurance options available only through licensed agents like RKA. They often include broader nationwide networks and different cost structures than marketplace plans.

Do I qualify for health insurance savings?

Many households qualify for income-based premium tax credits on marketplace health insurance plans. Our licensed advisors estimate your monthly contribution and compare marketplace vs private PPO options.

When can I enroll in health insurance?

Private PPO health insurance plans are available year-round. Marketplace plans have Open Enrollment periods and Special Enrollment windows. Speak to one of our licensed advisors to verify what you're eligible for.

Restaurant & Bar Owners • Business Owners

Health Insurance for Restaurant & Bar Owners

Fast take: Running a restaurant, bar, or food truck usually means no group plan and thin margins. We compare your real choices — a marketplace plan if your income qualifies for a subsidy, or a private nationwide PPO if you’re above the line — so you get solid coverage without overpaying, and you can cover yourself, your family, and even key staff.

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Coverage that fits an owner

Priced for an owner’s income

Over the subsidy line, the marketplace charges retail
A private PPO priced on your health is often 30–50% less for a healthy owner
Broader network than most marketplace HMO plans

Enroll any time — not just in winter

Private PPO plans enroll year-round
No waiting for open enrollment when you need coverage now
We can also look at options for a small team

Income swings by season? That affects marketplace subsidies, which reconcile at tax time. A private PPO has a fixed premium that doesn’t move with your sales — many owners prefer the predictability. We compare both for you.

Get the right coverage for you and your restaurant

Free call with a licensed advisor — we compare every option for your income and your doctors. No pressure.

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Frequently asked questions

I don’t offer a group plan — what are my options?

Two lanes: a marketplace plan if your income qualifies for a subsidy, or a private nationwide PPO priced on your health if you’re above the subsidy line. We compare both for you.

Can I cover a few key employees too?

Possibly. For a small team, individually underwritten pooled PPO options can sometimes beat standard small-group plans. We’ll look at what fits your headcount and budget.

My income swings by season — does that matter?

It can affect marketplace subsidies, which reconcile at tax time. A private PPO has a fixed premium that doesn’t move with your sales, which many owners prefer.

Do you help with family coverage?

Yes — we cover you and your family, comparing networks so your family’s doctors stay in-network.

RKA Insurance Advisors is an independent, licensed health insurance brokerage (NPN 19540130). We compare ACA Marketplace and private, medically underwritten nationwide PPO plans. Private plans are priced on health and subject to medical underwriting — not all applicants qualify. We do not offer Medicare. This content is for informational purposes only and does not constitute insurance, legal, tax, or financial advice. Call (561) 806-9913.