Finding the Right Health Insurance for Owner-Operator Truck Drivers

Many truck drivers are owner-operators, juggling the dual responsibilities of driving and managing their own business. As of November 2023, there were 922,854 independent owner-operators in the U.S., accounting for 11.1% of all truck drivers. 

If you are an owner-operator truck driver, you’re responsible for securing your health insurance coverage. Our guide to buying private health insurance can help you know what to look for and why United National Healthcare plans are ideal for you as a business owner and truck driver. 

Why Do You Need Trucking Insurance? 

As an owner-operator truck driver, you’re in charge of driving and managing your business, which includes finding your own health insurance. Having proper coverage protects you from the following issues affecting truck drivers:

• Health issues. Long hours behind the wheel can lead to medical conditions like high blood pressure or obesity. Health insurance allows you to access necessary healthcare services regularly.

• Preventative care. Regular check-ups and screenings are necessary to identify potential health issues and get help before they become serious. A private health insurance plan gives you access to preventative care to proactively manage your health.

• Emergency care. If you have a medical emergency while on the job, trucking health insurance ensures that you can receive urgent care in any state without worrying about the financial impact.

• Employee coverage. If you employ other drivers or administrative staff, consider a small business plan that extends coverage to your employees. This type of plan supports their health and well-being and boosts your business’s reputation as a caring employer.

Specific Features to Look For

The right affordable private health insurance plan ensures that you’re covered on and off the road and is tailored to your and your team’s healthcare needs. Below are plan features to consider when choosing your coverage:

Comprehensive Coverage

Cover a wide range of health needs due to varied risks associated with truck driving.

Plans should include hospital stays, surgeries, specialist visits and treatment for chronic conditions, regardless of pre-existing conditions.

Employee Coverage

Important if you employ others. Helps attract and retain quality staff while caring for your team.

Consider plans that enable you to add employee coverage at reasonable rates, reinforcing your commitment to being a responsible employer.

Preventive Care

Prevents severe health issues through early detection, crucial due to irregular health check schedules.

Coverage should include medical care like routine screenings, vaccinations and check-ups.

Mental Health Services

Critical for managing the solitary and stressful nature of long-haul driving.

Plans should offer therapy, counseling and psychiatric prescription drug coverage.

Flexible Deductibles

Allows more control over out-of-pocket costs, important for managing financial health in a variable income profession.

Look for deductibles that balance annual costs with manageable emergency out-of-pocket expenses.

Emergency Services

Vital for addressing immediate health crises that may occur anywhere on the road.

Ensure the plan covers emergency room visits and urgent care nationwide, possibly including ambulance services.

Network Size

Provides flexibility and accessibility of services, important for drivers who are often out of state.

Seek out plans with a large network of doctors and hospitals to ensure accessible nationwide care.

Why United National Healthcare is the Best Choice

United National Healthcare is a private insurance company providing specialized health insurance tailored for small businesses, including owner-operator truck drivers. With a focus on affordable, comprehensive coverage, United National Healthcare private insurance plans fit the unique needs of the trucking industry.

Here’s why a medical plan with United National Healthcare is the best health insurance option for owner-operators:

• Customized plans. We offer health insurance designed for truck drivers, ensuring that the coverage meets the unique demands of life on the road. These flexible plans allow owner-operators to choose features that best suit their personal and business needs.

• Network access. With our plans, owner-operators gain access to a broader network of doctors and hospitals. This gives you and your team more options and higher quality care wherever your routes take you.

• Tax advantages. Our plans give you access to potential tax benefits for employers and employees. Owner-operators can reduce their taxable income by deducting certain medical expenses and may qualify for tax credits by providing health insurance to their employees.

• Cost-effective care. United National Healthcare understands the financial constraints small businesses face. Our cost-effective plans provide essential healthcare without compromising on quality or coverage. We also have individual and family health insurance plans if you need a policy for your spouse or children.

• 24/7 support. The nature of truck driving demands insurance that works around the clock. Your plan with United National Healthcare gives you 24/7 customer support to ensure you can get help whenever needed, no matter where you are.

• Convenience for truck drivers. With plans tailored for the on-the-go lifestyle of truck drivers, we ensure that you can receive care across the country, making it easier to address your health while managing your routes.

Are you wondering, “Can I buy private health insurance at any time?” Just speak to one of our helpful representatives to review your situation. We’ll see if you meet a qualifying life event to join outside the open enrollment period or set you up with a short-term health insurance plan while transitioning to a new private policy.

Get Comprehensive Coverage With United National Healthcare

Secure your future on the road with United National Healthcare. We offer tailored health insurance plans that fit the needs of owner-operators like you, offering wide-ranging protection wherever you go. 

Ready to protect yourself and your team? Speak to an insurance agent with United National Healthcare to find health insurance near you today and experience the peace of mind that comes with full medical coverage for your well-being.