His new total: $458 per month for health, dental, vision, and occupational accident. Annual savings from his previous plan: $2,664. He also purchased a $500,000 20-year term life insurance policy for $127 per month — coverage he had previously been putting off because he assumed it would be unaffordable on a trucker’s record.
The lesson: for drivers earning above the ACA subsidy threshold, association plans consistently deliver better value than standard marketplace plans. And life insurance for truck drivers is more accessible — and more affordable — than most drivers assume.