According to the Bureau of Transportation Statistics, there were 922,854 independent owner-operators as of November 2023 — 11.1% of all truck drivers — who are responsible for securing their own health coverage entirely.
7 Types of Health Insurance Plans for Truck Drivers Explained
1. ACA Marketplace Plans — HealthCare.gov (Best for Pre-Existing Conditions)
ACA Marketplace plans are the federal government’s structured individual health insurance options, sold through HealthCare.gov or your state’s exchange during annual open enrollment (November 1 through December 15 for coverage starting January 1). They are the only plans legally required to cover pre-existing conditions without exclusion, charge you nothing extra for being a truck driver, and cap your annual out-of-pocket costs.