Can I get ACA health insurance as an owner-operator? Yes. Owner-operators are eligible for ACA Marketplace individual and family plans through HealthCare.gov. If your net self-employment income is below $48,240 (single, 2025 threshold), you qualify for premium tax credits that reduce your monthly premium. You can also deduct 100% of your health insurance premiums as a business expense if your spouse does not have access to employer-sponsored coverage.
What is NITIC insurance for truck drivers? NITIC (National Independent Truckers Insurance Company) is an insurance provider with 30+ years of experience serving the trucking industry. They are primarily known for commercial truck insurance — primary liability, bobtail, physical damage — but also connect drivers to health insurance options designed for transportation professionals. NITIC has an A.M. Best rating and strong customer service reviews, particularly for claims processing speed.