Carlos had been paying $680 per month for an ACA Silver plan — the plan his broker recommended when he first went independent. His annual premium: $8,160. His annual deductible was $2,800. He had used less than $400 in covered healthcare over the prior two years.
After reviewing his options, Carlos switched to a two-policy strategy: an OOIDA association plan for his primary health coverage ($420 per month, including out-of-network flexibility for his Texas-to-Pacific routes) and a dental and vision supplement through a trucking-specific supplemental provider ($38 per month). He added an occupational accident policy through OOIDA for income replacement in case of a work-related injury.