Insurance broker Rosanne Boik, who specializes in hospitality clients, said she has seen a rise in small restaurants seeking group health insurance plans over the past three or four years. It’s not as expensive as many think, costing about $3,800 per month for one restaurant client with about 15 employees interested in taking part, but even that can be a lot of money for small operators who pay half of the premium, Boik said. She applauds the idea of adding a customer surcharge to pay for it.