Top Health Insurance Providers for Truck Drivers and Their Family

Truck drivers are vital to the American economy, generating $940.8 billion in gross freight revenues. Unfortunately, despite their crucial role, many truck drivers and owner-operators lack adequate health insurance. 

With a median annual pay of $54,320 in 2023, these truckers need access to affordable health insurance options that meet their and their families’ wellness needs. Explore the top health insurance providers for truck drivers and how to choose the right policy to secure your family’s health and financial stability.

Marketplace Plans

The health insurance marketplace provides plans under the Affordable Care Act (ACA) that cover basic health benefits, pre-existing conditions and preventative care. These ACA-compliant plans are categorized into bronze, silver, gold and platinum, indicating the cost-sharing balance between the insurer and the insured. 

These plans provide network coverage for truck drivers, which is essential for those who travel frequently. However, the availability of network coverage and specialists varies, which could complicate medical care while on the road. Also, because truck drivers often have fluctuating incomes, it can impact subsidy eligibility and ACA health insurance premiums.

Medicare/Medicaid

Medicare is government-sponsored health insurance coverage for truck drivers aged 65 and older or those with certain disabilities. It can help pay for hospital stays, outpatient medical services and prescription drugs. Medicaid is a similar health insurance option sponsored by individual states, with eligibility based on income and state-specific criteria. 

These public insurances offer a cost-effective solution for health care for truck drivers with lower incomes, covering many services without high premiums or deductibles. However, unlike private health insurance plans, drivers who frequently cross state lines may face challenges with Medicaid due to varying state-specific eligibility rules and covered services, interrupting access to care.

Employer-Sponsored Insurance

Trucking companies provide employer-sponsored health insurance as part of their employment benefits. These plans share Insurance costs between employer and employee and provide comprehensive coverage that includes medical, dental and vision care, which is crucial for employees who spend long hours on the road. 

However, many truck drivers operate as independent contractors, meaning they are ineligible for employer-sponsored plans. As independent contractors, they typically purchase coverage through a private insurance company to cover their healthcare needs. 

Private Truck Driver Plans

United National Healthcare offers affordable private health insurance plans just for truck drivers and owner-operators. Truckers’ health insurance covers doctor visits, hospital stays, preventive care and emergency services, with coverage details varying by plan.

United National Healthcare private insurance plans offer specific benefits like prescription discounts and wellness programs that address prevalent health issues in the trucking profession, such as obesity and heart disease. They’re also designed to accommodate the unique demands of a trucker’s schedule, with 24/7 and emergency services available so that you can get help anytime and anywhere. 

Private Family Policies

Private family policies are an affordable health insurance option for truck drivers and their families. Similar to traditional health insurance, family plans provide health coverage for drivers’ spouses, children and other dependants. Coverages can be customized to suit family members’ specific needs and offer flexible deductibles and copays. 

With options for adding comprehensive coverage for children’s health and maternity care, these policies ensure that all family members are protected under a single plan. This arrangement can be more convenient and affordable than maintaining individual policies. 

Short-Term Insurance

Short-term health insurance plans are an option for truck drivers needing temporary coverage between jobs or outside of open enrollment. These plans serve as a valuable safety net by offering immediate protection when traditional coverage isn’t available. They allow for flexibility, as health insurance plans start almost immediately, ensuring a minimal coverage gap. 

If you’re wondering, “Can I buy private health insurance at any time?” our associates at United National Healthcare can review your situation. We’ll help determine your eligibility for short-term plans or trucking-specific policies outside the enrollment period. For instance, if you recently quit a job or experienced a qualifying life event, we may be able to secure comprehensive coverage for you and your loved ones. 

Private Small Business Insurance for Owner-Operators

Private small business insurance offers a solution for owner-operators in the trucking sector. These plans provide well-rounded health insurance coverage and access to an extensive network of healthcare providers for the business owner, their family and employees. 

Private small business health insurance also offers potential tax advantages such as tax credits or medical expense deductions, making it financially beneficial for all members. These plans are cost-effective, offering a financially viable way for small companies to extend health benefits without overwhelming financial burden.

Get Affordable Medical Insurance from United National Healthcare

For truck drivers looking to explore alternative options, our guide to buying private health insurance provides insights into selecting the right plan that meets your needs while offering essential health benefits and coverage for unexpected medical events.

Find full coverage health insurance near you to protect you and your family. Speak with our team at United National Healthcare to discover plan options and pick the right policy for your medical needs.