Quick answer
Yes. Chipotle’s careers site says all crew members are eligible for the Anthem Preventive Plus medical plan, a Delta Dental PPO plan and an EyeMed PPO vision plan. Restaurant managers and corporate support staff get a wider choice of three Anthem medical plans: an EPO, a PPO and a consumer-directed health plan (CDHP). Chipotle doesn’t publish waiting periods, hours requirements or costs, so check those when you’re hired.
Key takeaways
- Chipotle says all crew members are eligible for the Anthem Preventive Plus medical plan, Delta Dental PPO and EyeMed PPO vision coverage.
- Restaurant management and support staff can choose from three Anthem medical plans: an EPO, a PPO and a CDHP.
- Crew members and their dependents can talk with licensed counselors for free, according to Chipotle.
- Chipotle offers up to $5,250 a year toward education, plus a Debt-Free Degree program.
- Chipotle doesn’t publish premiums, deductibles or waiting periods, so ask what the crew plan covers before you rely on it.
On this page
How Chipotle health benefits work
Chipotle splits its medical coverage by role. Crew members, the people who work the line and prep in restaurants, are offered one medical plan, Anthem Preventive Plus, along with dental and vision plans. Restaurant management and support staff choose among three medical plans instead.
| If you’re… | Medical plans Chipotle lists | Dental and vision |
|---|---|---|
| A crew member | Anthem Preventive Plus | Delta Dental PPO and EyeMed PPO vision |
| Restaurant management or support staff | Anthem EPO, Anthem PPO or Anthem CDHP | Not separately described on the page |
Chipotle’s page says all crew members are eligible for the crew plans and doesn’t mention an hours requirement or waiting period. That doesn’t guarantee there isn’t one, so ask your general manager or HR when your coverage would start.
What to ask about the crew medical plan
Chipotle’s careers page names the crew medical plan but doesn’t describe what it covers. The name suggests a plan built around preventive care, so before you enroll, ask for the plan’s summary of benefits and coverage (health plans generally have to provide one). Look at how it handles hospital stays, specialist visits and prescriptions, and what your deductible and out-of-pocket maximum would be.
It’s also worth asking whether the plan meets the ACA’s “minimum value” standard. If a job-based plan doesn’t meet minimum value, or isn’t affordable, you may be able to turn it down and get a premium tax credit for a Marketplace plan instead. See can I get Marketplace coverage if my employer offers it and what an out-of-pocket maximum is.
Manager and support staff plans
Managers and corporate staff choose from an EPO, a PPO and a CDHP, all through Anthem. An EPO usually covers only in-network care outside of emergencies, while a PPO lets you see out-of-network providers at a higher cost; see what’s better, a PPO or an HMO for how network types compare. A CDHP generally has a lower premium and a higher deductible. Chipotle’s page doesn’t say whether its CDHP comes with a health savings account, so ask HR before you pick it for the tax benefits of an HSA.
Other benefits Chipotle lists
- Mental health: free sessions with licensed counselors for you and your dependents. See does health insurance cover therapy if you need ongoing care.
- Education: up to $5,250 a year toward education goals, plus the Debt-Free Degree program.
- Retirement and ownership: a 401(k) match, stock purchase plan and annual bonus for crew after the first year of employment.
- Time off for crew: up to 40 hours of vacation a year, plus 24 hours of sick time depending on your state’s sick leave laws.
If you’re not eligible yet, or you’d rather not use the Chipotle plan, look at a parent’s plan if you’re under 26 (see how long you can stay on your parents’ health insurance), a Marketplace plan (see health insurance for individuals) or Medicaid if your income is low (see health insurance for low-income families).
Job-based coverage vs. the Marketplace
If Chipotle offers you coverage that’s affordable and meets minimum value, you usually can’t get a premium tax credit for a Marketplace plan. For 2026, coverage counts as affordable if your share of the premium for employee-only coverage is no more than 9.96% of your household income (10.22% in 2027). If you leave Chipotle, you can usually keep the plan for a while through COBRA, though you’ll pay the full premium yourself.
More employer guides: Amazon, Chick-fil-A, Costco, CVS, DoorDash, FedEx, Home Depot, Kroger, Lowe’s, Lyft, McDonald’s, Publix, Starbucks, Target, Uber, UPS and Walmart.
Want to compare Chipotle’s plan with what’s on the Marketplace? Compare plans by ZIP code.
Frequently asked questions
Does Chipotle offer health insurance to part-time crew members?
Chipotle’s careers page says all crew members are eligible for its crew medical, dental and vision plans, without mentioning an hours requirement. Confirm the rules and your start date with your general manager or HR.
What health plans does Chipotle offer?
Crew members get the Anthem Preventive Plus medical plan, Delta Dental PPO and EyeMed PPO vision. Managers and support staff choose from Anthem EPO, PPO and CDHP medical plans.
Does Chipotle offer mental health benefits?
Yes. Chipotle says crew members and their dependents can speak with licensed counselors for free.
How much does Chipotle health insurance cost?
Chipotle doesn’t publish premiums or deductibles. You’ll see your costs when you enroll, and you can compare them against Marketplace plans before you decide.
Employer benefits change often. This article is general information based on Chipotle’s public careers page and isn’t affiliated with Chipotle. Last reviewed September 2026.