Beyond the health risks, the logistical problem is severe: most traditional health insurance plans are built around regional networks tied to your home zip code. An over-the-road (OTR) driver running from Illinois to California to Georgia in a single month cannot use a plan where routine care is out-of-network 80% of the time. A plan that looks affordable at $280 per month can result in thousands in out-of-network bills that a network-aware plan at $450 would have covered in full.
The combination of elevated health risk plus multi-state coverage need makes health insurance for truck drivers a specialized purchase that requires more than a basic marketplace search.