The future of healthcare for restaurant franchise owners

COVID-19 has disrupted thousands of businesses on a multitude of levels. Restaurant franchise owners are among those hit particularly hard, and employees at these companies fear they may be able to afford medical care in the future plagued by pandemics. The journey to a post-COVID-19 world is filled with uncertainties, and as these companies reopen and find their place, they face a great challenge: how to rebuild their businesses in an uncertain time while ensuring that their employees stay healthy and are not distracted by the challenge of acquiring health care.

Take a closer look at health care policies and programs

The ongoing global pandemic will force restaurant franchises to take a closer look at health policies and programs. Before COVID-19, franchise owners looked to standard practices to establish standard health policies. As a result, many companies have not been able to provide support and access to health care to all employees during the pandemic, especially part-time and low-income workers. Continuing with these practices would entail risks for employees at all levels and, in turn, would have a significant effect on company performance and employee sentiment.

From a cost perspective, many health care plans are also incredibly expensive for franchise owners and employees who pay premiums. Due to pricing, these policies and programs limit the number of employees who can access health care and, therefore, medical assistance. Homeowners are now trying to find alternative programs that will provide better access to care for all of their employees, including low-paid and part-time employees.

Prepare for rising healthcare costs

The overall impact of the pandemic on health insurance programs is unknown, but premiums are expected to skyrocket. This means that it is likely that many employees will not be able to afford access to care. Sadly, healthcare is already expensive, and many low-wage workers can’t afford the premiums – worse yet, part-time workers often don’t qualify.

So why should these already high costs skyrocket? Premiums are expected to become even more expensive because of two words: workers’ compensation. If a person contracts COVID-19 from exposure at work, they will be able to make a claim. These types of claims could end up costing homeowners a significant sum of money, adding to the turmoil caused by the pandemic.

Overall, these high premiums will eventually create a burden for employers and create uncertainty for employees. This uncertainty can be detrimental to employees who need unplanned medical assistance, including those with lifelong COVID-related complications. To address these potential concerns, employers will need to prepare for a more intense healthcare process and costs.

A new approach to healthcare

There has to be a fundamental change in health care in the United States that allows franchise owners to feel confident that their low-paid, part-time employees have access to health care without breaking the bank. The health and well-being of all employees should not be a burden on any business, especially restaurant franchises, whose owners are currently focused on how to safely reopen and restore their businesses after the devastation. of COVID-19.

When thinking about the future of healthcare, restaurant franchise owners should consider a new healthcare plan. This plan must have the capacity to enable employers to provide low-wage, part-time employees with ERISA and ACA compliant health care free of charge, and to create a sense of relief for worried owners. With this new type of healthcare system, owners will have confidence in a successful business and improved employee satisfaction.

As the pandemic continues to change the way businesses operate, one thing is certain: the health and well-being of employees should be a priority and all employees should have access to healthcare. It’s unclear when this global crisis will end, or if we haven’t seen the worst yet, but focusing on what franchise owners can do to help rebuild their businesses and keep their employees healthy, the road to recovery seems a little clearer.

Dr John Zabasky is co-founder and CEO of HealthWorX, a new type of health insurance plan that uses an innovative approach and a technology platform that is committed to providing access to health care for all employees. His stint as CEO at WorXsiteHR (part of HealthWorX), SoftEx and Venturcorp gave him not only the opportunity to lead and build organizations from scratch, but also the opportunity to participate in many projects. as a practical enterprise technical architect. and program manager. He has extensive experience in databases, program / project management and software development cycles, and has applied most of these elements to a variety of disciplines including ERP, Benefits Administration, payroll, HRMS, insurance, IT outsourcing, staffing and employee leasing. Whether it’s exposing Adam Smith’s ‘theory of steps’, using trend analysis, or designing complex business software, building systems has always been John’s passion.


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Cecil N. Messick

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