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Individual vs. Group Health Benefits: Why TIP Brings the Best of Both Worlds

Eric Biehn

Health insurance might not be the most exciting dinner table conversation, but for hospitality workers, it’s essential. Whether you're shaking cocktails, running food, or keeping the kitchen humming, having reliable health coverage can be a game-changer. The problem? For many in hospitality, traditional options don’t cut it.


Let’s break it down:

A barista checking out her TIP benefits on her tablet while working behind the counter of a coffeeshop.

Individual Health Benefits: The Good, the Bad, and the Expensive

Individual health plans can feel like a solo performance:


  • The Good: You’re in control. You choose the plan, the coverage, and the add-ons. Great for flexibility.

  • The Bad: Ever felt like filling out health questionnaires is a test you didn’t study for?

    Pre-existing conditions? Extra costs. High-risk lifestyle? Even more costs.

  • The Ugly: Individual plans can be pricey. You’re paying full freight, which means fewer dollars left for things you enjoy.


Group Benefits: The Team Approach

Group benefits are like the dream team of insurance:


  • The Good: Group plans are inclusive and cost-effective. Everyone gets the same access to coverage—no health questions, no exclusions. Plus, employers often chip in to cover costs.

  • The Bad: If you’re a part-time worker, seasonal staffer, or a contract employee, you’re likely left out in the cold. And if you switch jobs? Goodbye, benefits.


Enter TIP: The Hybrid Solution That Works for You

Here’s where The Industry Plan (TIP) shakes things up. TIP combines the best parts of individual and group plans, giving hospitality workers the perfect mix of coverage, price, and accessibility:


  • No Health Questions: Pre-existing conditions? Bring ’em on. TIP doesn’t discriminate. You’re covered from Day One.

  • Flexible Coverage: Like an individual plan, TIP lets you choose what works for you. But it’s still structured like a group plan, so you get the same favorable rates.

  • Job Changes? No Problem: TIP coverage is portable. Quit your job, switch industries, or move across Canada—your benefits come with you.

  • Affordable Pricing: Because TIP pools members into a group, you get access to lower rates without sacrificing comprehensive coverage.


Why TIP is a No-Brainer for Hospitality Workers

Hospitality is a fast-paced, unpredictable industry. Long hours, demanding schedules, and inconsistent pay are the norm. Traditional insurance often doesn’t fit the bill, leaving workers to navigate a maze of overpriced individual plans or no coverage at all.


TIP was designed with hospitality workers in mind. It’s affordable, inclusive, and, most importantly, simple. No hoops to jump through, no sky-high premiums—just solid coverage for people who need it most.


Ready to see what TIP can do for you? Visit mytip.ca to learn more about how we’re making health insurance accessible for everyone in the industry.



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An ecotone is a unique zone where two ecosystems meet, bridging the gap between them. At Ecotone Health, we bring this concept into health coverage, aiming to bridge the gap between what individuals truly need and what traditional industry standards provide.

We believe the current insurance industry has room for improvement. Our mission at Ecotone Health is to raise the bar, creating a new standard for coverage that is both accessible and inclusive, designed to meet real needs.

Tel: 844 326 8663   |     hello@ecotonehealth.ca

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