Rideshare Drivers

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Health Insurance for Rideshare Drivers

Are you already a rideshare driver? Or, are you looking at getting into driving for Uber or Lyft? It’s a great way to earn a living or extra cash on the side. Depending on how many hours you work and where you pick up and transport your passengers to, Rideshare drivers can earn up to around $1000 in a 40+ hour work week.(1) All drivers enjoy the flexibility in hours they work. It’s really the perfect gig for anyone with a newer car and free time on their hands.

How To Get Health Insurance When You Are A Contract Driver

Whether you are door dashing meals across town or an Uber driver, you’re going to need health care. American’s have an Individual Mandate in the Affordable Care Act (ACA) federal law that requires all of citizens to have medical coverage. Many independent and self-employed workers find major medical plans on the government health exchange. The government exchanges only carry ACA certified plans.

Private Health Insurance Marketplace

Another option for finding health coverage is on a private health marketplace, like Smart and Simple Insurance. Private exchanges have more plans than the federal marketplace. You can find traditional health insurance, dental and vision plans, short-term insurance, supplementary medical insurance and TeleMedicine subscriptions.

The responsibility of a private health marketplace exchange is to enroll people into their insurance plans. Therefore, private health marketplaces have licensed agents.

Health Insurance Options For Rideshare 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.

Types Of Health Insurance For Rideshare Drivers

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 Contract Rideshare Drivers 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 you may drop your 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. These plans are recommended for persons that are in relatively good health. Short-term health insurance plans may deny any claims considered as pre-existing conditions. They may pay for treatments for medical conditions you may have had before the plan started.

If you are just getting started owning your own business, getting an affordable Short-Term Medical Policy will help you control costs from the start.

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. 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. Medicare is also available for the elderly, pregnant women and adults and children with disabilities.

Frequently Asked Questions

What Are The Top Rideshare Companies?

As Uber proved the rideshare model, more and more competitors are looking for a piece of the nearing $218 billion industry.(1) Here are the top rideshare services competing in this space:

  1. Uber – Available in 263 cities
  2. Lyft – Available in 644 cities
  3. Via – Available in 18 U.S. cities
  4. Curb – Available in 29 large U.S. cities
  5. Wingz – Available in 14 U.S. cities


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