Owner-operators with their own authority: These drivers are self-employed small business owners. No employer plan exists. They must purchase health insurance for truck drivers entirely on their own — ACA marketplace, association plans, private plans, or health sharing programs. As a self-employed individual, 100% of health insurance premiums are tax-deductible if your employed spouse does not have access to employer-sponsored coverage.
1099 lease-on drivers: Drivers who lease onto a carrier under a 1099 agreement are classified as independent contractors. They are not eligible for the carrier’s group plan. Like owner-operators, they must source their own health insurance for truck drivers from the individual market or through trucking associations.