What health insurance do most truck drivers use? Owner-operators most commonly use ACA Marketplace plans (particularly those who qualify for subsidies) and trucking association plans through OOIDA. Company drivers most commonly use employer-sponsored group plans. According to ATBS and Overdrive data, approximately 25% of owner-operators hold ACA plans. Health sharing plans have grown significantly in popularity among higher-income drivers above the ACA subsidy threshold. United National Healthcare and similar truck-specific providers serve a meaningful share of the independent driver market.