Health Insurance For

Independent Truck Drivers
and Owner/Operators

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Health Insurance for Truck Drivers

As a commercial truck driver, you are the backbone of commerce in American society. It has been said, “Without Trucks, America Stops”. Over the road or just across town, truck drivers are a central part of the American economy.

Transporting goods and materials to consumers keeps our country running smoothly and not parked at a standstill. Your health and well-being are integral to the transportation and delivery systems in the United States.

Health Insurance Options For Independent Owner Operators Truck Drivers

You may get health insurance at any time. Though, there are restrictions and deadlines you may have to meet depending on the type of insurance.

Driving Over The Road

There are over 2 million truck drivers in the United States(1). The physical demands are well known. Long hours of sitting lead to chronic pain and back injuries. Staying focused and alert while driving roads and highways can lead to poor sleeping habits.

Did you know 28% of all drivers have sleep apnea?(2)

The Affordable Care Act Individual Mandate

The Affordable Care Act has an individual mandate that all persons in the United States carry a federal certified major medical healthcare insurance plan. Having health insurance coverage for you and your family will provide security that you can get treated by doctors in hospitals and clinics, when you are on or off the road.

When Can Self-Employed Workers Enroll And Get New Health Insurance?

Enroll In Qualified Health Plans Certified By The Health Insurance Marketplace During Open Enrollment Periods

The federal government creates an “open enrollment period” where you may change your major medical health insurance without a qualifying event (such as getting new employer-sponsored health with a new job). This is when O/Os may drop their current insurance and find new major medical policies. The certified health plans offered on the marketplace are required to provide essential health benefits, cover pre-existing conditions and has limits on deductibles, copayments and out-of-pocket maximum amounts. These are policies that are similar to employer-sponsored insurance.

You Can Enroll Anytime For Short-Term Medical Policies

Though the benefits are not as robust as an ACA-compliant plan, Short Term Health Insurance can save you money in insurance premiums. These plans are recommended for persons that are in relatively good health. You need to consider that short-term health insurance plans may deny any claims considered as pre-existing conditions and not pay for treatments for medical conditions you may have had before the plan started.
If you are just getting started with owner/operator trucking, an affordable Short-Term Medical Policy may help control your costs and you build your career.

Check If You Can Receive Medicaid or the Children’s Health Insurance Program

If you are 65 years old and not receiving social security, you may have to sign up for Medicare(3). If you are not nearing retirement age, you may qualify for assistance through the federal Medicare program or Children’s Health Insurance Program, also known as CHIP.

Medicaid eligibility is determined based on your income from being a truck driver. Medicare is also available for the elderly, pregnant women and adults and children with disabilities.

Frequently Asked Questions

Many Trucker Insurance Websites Mention Med-Share Programs. Are These A Scam?

Med-Share programs are Faith-based insurance cost sharing groups. Your monthly payment goes into an escrow account for all members. You request reimbursement for medical expenses.  If you are looking for a PPO plan through Med Cost Sharing program, you will need to wait for open enrollment. It’s important for you to know that these are not federal Healthcare Marketplace approved plans.

Why Do I Need Occupational Accident Insurance?

As an Independent Owner Operator, your health and wellbeing are on you. If you are injured in an accident, Occupational Accident Insurance can provide a benefit for lost wages. This will help cover a gap in your income. Some companies that you contract with may provide this insurance ahead of time.

What Long Term Health Problems Truckers Suffer?

A survey by the Center For Disease Control (CDC) found long-haul truck drivers have the following medical conditions(4):

  • Heart disease
  • 14% have Diabetes
  • 26% have High Blood Pressure / Hypertension
  • 75% reported low physical activity


Insurance Enrollment For Independent Truck Drivers and Owner/Operators


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Who Are We?

Smart and Simple Insurance Development is a nationally licensed and recognized health insurance agency looking to be sincere and help people access and understand insurance.

Over four million people have obtained health insurance through our enrollment portals. With variety of products for customers to build an insurance plan specific to their needs, makes our offerings “smart” to have.

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