Bartender or server? You probably qualify for a $0–$50/mo plan — and don't even know it.
Most restaurant workers earn $25K–$40K — which puts you right in the sweet spot for ACA subsidies. Many qualify for Silver plans under $50/mo or even $0/mo Bronze plans. Your agent checks eligibility in under 5 minutes and handles the entire enrollment.
The things nobody tells you — until it costs you money.
With typical restaurant wages ($25K–$40K), most bartenders and servers qualify for massive subsidies. Many get Silver plans for $20–$50/mo or Bronze plans for $0.
Cash tips are still income for ACA purposes. Reporting them accurately affects your subsidy. Your agent helps you estimate total income (wages + tips) correctly.
Independent restaurants are not required to provide health insurance if they have fewer than 50 employees. The marketplace is your primary option.
In expansion states, individuals earning under ~$20K qualify for Medicaid (free coverage). Your agent checks Medicaid eligibility before marketplace plans.
This page is for you if:
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions.
Yes — if your income qualifies. In Medicaid expansion states, individuals earning under ~$20K get free coverage. On the marketplace, many people earning $25K–$35K qualify for $0 Bronze plans or $20–$50/mo Silver plans after subsidies.
For ACA subsidy purposes, yes — all income (wages + tips) is counted. Reporting accurately ensures you get the right subsidy and don't owe money back at tax time. Your agent helps you estimate.
No. The ACA employer mandate only applies to businesses with 50+ full-time employees. Most independent restaurants are exempt. The marketplace is your option.
Marketplace coverage is not tied to your employer — it stays with you regardless of where you work. Change jobs as often as you like without losing coverage.
No. Medicaid is free, government-provided coverage for low-income individuals. "Obamacare" (ACA marketplace) is subsidized private insurance. Your agent checks which one you qualify for.
No. One brokerage, not a lead-gen site. BBB A+ rated.
100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares total cost across 6+ carriers. One call, $0 fee.
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