Health Insurance
Independent Truck Drivers and Owner / Operators

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What Is Short-Term Health Insurance?

Short-term Health Insurance is an extremly affordable option to provide you and your family basic health and emergency services, as necessary. These insurance plans are affordable as they do not cover pre-existing conditions.

You’ll want to obtain a short-term health insurance policy if you are not covered by a major medical policy. Many healthy people will use Short-Term Health as their primary insurance.

Often known as GAP insurance, you can also use this type of coverage until the next federal open enrollment period when you can pick up a qualified health plan with major medical coverage.

Advantages of Short-Term Health Insurance

Group Health vs. Individual Health Insurance

Employed workers have access to group health plan benefits that cover doctors, clinics, emergency rooms, prescription medication and pre-existing conditions. These are ACA certified insurance plans and are sometimes referred to as, “traditional health insurance” or “major medical”.

Employers work with insurance carriers to get preferred rates and health benefit options. As an employee benefit, the business will subsidize a portion of the insurance premiums, while the other portion is a tax-free payroll deduction. When you are classified as a W-2 worker, your employer will have a yearly open enrollment to make changes to your health insurance.

Self-Employed Workers Buy Individual Health Plans To Cover Major Medical Expenses

If you are self-employed or working on contract, you will need to search for your own health insurance. Your options for getting health insurance as an independent contractor, freelancer, consultant or other self-employed worker who doesn’t have any employees, are to purchase coverage through the federal marketplace (healthcare.gov) or a private health marketplace, like Smart and Simple Insurance. The Affordable Care Act mandates that all individuals have a qualified health plan that comes with major medical coverage.

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.

3 Ways Truckers Get Health Insurance

1. 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 private marketplaces 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.

2. 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.

3. 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 Do Problems Truckers Suffer From?

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

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

 

Get Health Insurance
Truck Drivers and
Owner / Operators

1-855-826-0030

Who We Are

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.

Our Major Carriers And Partners

Ameritas Logo

Looking for Occupational Accident Insurance? Click here.

Home 9 Welcome 9 Truck Driver Health Enrollment Center

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.

Types Of Health Insurance For Independent Truckers

* Availability may be different in some States

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.

3 Ways Truckers Get Health Insurance

1. 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 private marketplaces 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.

2. 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.

3. 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 Do Problems Truckers Suffer From?

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

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

 

Get Health Insurance
Truck Drivers and
Owner / Operators

1-855-826-0030

Who We Are

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.

Our Major Carriers And Partners

Ameritas Logo

Let’s Make This Smart and Simple

Call Us At
1-855-826-0030
To speak with a  fun, helpful and nationally-licensed insurance representative.

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